See real Hawaii personal loan rates by credit score and loan length, updated weekly. See rates and best rated lenders in Hawaii’s main cities and statewide.
Shopping for a personal loan and a lender can be complicated and we gathered this data to help your choice.
<< Human Powered Recommendations from Hawaii’s Personal Loan Borrowers >>
Hawaii Personal Loan Rates –
Find personal loan rates by credit score and loan length on Hawaii. National, banks, credit unions, online lenders rates are for a 36 months terms. Rates are community provided by Hawaii borrower who received a quote(s) or applied for a loan in the last 30 days.
| Credit Score | ||||
|---|---|---|---|---|
| 720 - 850 | 690 - 719 | 620 - 689 | 560 - 619 | |
| Nationally | 11.35% | 14.12% | 18.95% | 22.45% |
| Hawaii | 11.48% | 14.15% | 18.98% | 22.48% |
| Credit Unions | 10.06% | 12.73% | 17.56% | 21.06% |
| Online lenders | 10.98% | 14.15% | 20.48% | 26.48% |
| Banks | 11.48% | 14.15% | 18.98% | 22.48% |
| 24 month | 10.82% | 13.49% | 18.32% | 21.82% |
| 36 month | 11.48% | 14.15% | 18.98% | 22.48% |
| 48 month | 11.98% | 14.65% | 19.48% | 22.98% |
| 60 month | 12.48% | 15.15% | 19.98% | 23.48% |
Source: MFP’s Community Personal Loan Rates Survey from the last 30 days.
Hawaii Best Personal Loan Lenders
Honolulu, East Honolulu, Pearl City, Hilo, Kaneohe, Waipahu, Mililani Town, Kahului, Online.
Hawaii Personal Loans Lenders Satisfaction
Performance and satisfaction of personal loan lenders across Hawaii by types of lenders.
| Lender Type | Application Ease | Loan Terms & Rate Satisfaction | Support & Guidance | Recommendation Rate |
|---|---|---|---|---|
| Credit Unions | 4.70 | 4.67 | 4.72 | 93.6% |
| Community Banks | 4.42 | 4.40 | 4.50 | 88.3% |
| Online Lenders | 4.65 | 4.45 | 4.55 | 87.5% |
| Banks | 4.34 | 4.33 | 4.42 | 86.5% |
Source: MFP’s Community Survey of Personal Loan Lenders by State and Cities.
Recommendations are gathered from 1,104 local Hawaii residents who got a quote or applied for a personal loan in the past 12 months. We survey 4 broad areas; loan application, loan term and rate, support & guidance, plus if borrowers recommend the lender:
- Loan Application (0 to 5): How easy it is to apply for your personal loan. What’s the amount of information asked. How fast do you complete your application for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Speedy Quote & Decision (0 to 5): Were you happy with the guidance and speed you were offered, speed for your quote, or speed to get a decision on your loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
Honolulu Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Honolulu’s area are Hawaii State Federal Credit Union, Hawaiian Financial Federal Credit Union and Aloha Pacific Federal Credit Union.
- Hawaii State Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Honolulu-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Hawaiian Financial Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Aloha Pacific Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Hawaii State Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Hawaiian Financial Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Aloha Pacific Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Hickam Federal Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| University of Hawaii Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| HawaiiUSA Federal Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| Territorial Savings Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Bank of Hawaii | Bank | 4.5 | 4.4 | 4.5 | 89% |
| Central Pacific Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| American Savings Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| First Hawaiian Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Finance Factors | Community Bank | 4.2 | 4.1 | 4.2 | 83% |
| HomeStreet Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Central Pacific Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
East Honolulu Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in East Honolulu’s area are Hawaii State Federal Credit Union, Aloha Pacific Federal Credit Union and Hawaiian Financial Federal Credit Union.
- Hawaii State Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful East Honolulu-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Aloha Pacific Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Hawaiian Financial Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Hawaii State Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Aloha Pacific Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Hawaiian Financial Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| University of Hawaii Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Hickam Federal Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| Territorial Savings Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Bank of Hawaii | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Central Pacific Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| American Savings Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| First Hawaiian Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
Pearl City Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Pearl City’s area are Hawaii State Federal Credit Union, Aloha Pacific Federal Credit Union and Hawaiian Financial Federal Credit Union.
- Hawaii State Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Pearl City-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Aloha Pacific Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Hawaiian Financial Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Hawaii State Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Aloha Pacific Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Hawaiian Financial Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Hickam Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| HawaiiUSA Federal Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| Territorial Savings Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Bank of Hawaii | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Central Pacific Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| American Savings Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| First Hawaiian Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
Hilo Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Hilo’s area are Hawaii Community Federal Credit Union, Hawaii County Employees Federal Credit Union and HFS Federal Credit Union.
- Hawaii Community Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Hilo-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Hawaii County Employees Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- HFS Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Hawaii Community Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Hawaii County Employees Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| HFS Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Big Island Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Bank of Hawaii | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Central Pacific Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| American Savings Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| First Hawaiian Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
Kaneohe Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Kaneohe’s area are Hawaii State Federal Credit Union, Aloha Pacific Federal Credit Union and Hawaiian Financial Federal Credit Union.
- Hawaii State Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Kaneohe-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Aloha Pacific Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Hawaiian Financial Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Hawaii State Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Aloha Pacific Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Hawaiian Financial Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Hickam Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| HawaiiUSA Federal Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| Bank of Hawaii | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Central Pacific Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| American Savings Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
Waipahu Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Waipahu’s area are Hawaii State Federal Credit Union, Aloha Pacific Federal Credit Union and Hawaiian Financial Federal Credit Union.
- Hawaii State Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Waipahu-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Aloha Pacific Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Hawaiian Financial Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Hawaii State Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Aloha Pacific Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Hawaiian Financial Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Hickam Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| HawaiiUSA Federal Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| Bank of Hawaii | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Central Pacific Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| American Savings Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
Mililani Town Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Mililani Town’s area are Hawaii State Federal Credit Union, Aloha Pacific Federal Credit Union and Hawaiian Financial Federal Credit Union.
- Hawaii State Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Mililani Town-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Aloha Pacific Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Hawaiian Financial Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Hawaii State Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Aloha Pacific Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Hawaiian Financial Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Hickam Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| HawaiiUSA Federal Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| Bank of Hawaii | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Central Pacific Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| American Savings Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
Kahului Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Kahului’s area are Maui County Federal Credit Union, HawaiiUSA Federal Credit Union and Valley Isle Community Federal Credit Union.
- Maui County Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Kahului-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- HawaiiUSA Federal Credit Union ranks second with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Valley Isle Community Federal Credit Union ranks third with a 93% Recommend score, a 4.7 Easy Application rating, 4.6 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Maui County Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| HawaiiUSA Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Valley Isle Community Federal Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Wailuku Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Bank of Hawaii | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Central Pacific Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| American Savings Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| First Hawaiian Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
Hawaii Online Personal Loan Lenders
MFP’s Community Lenders Survey most recommended online personal loan lenders in Hawaii’s area are HawaiiUSA Federal Credit Union, Hawaii State Federal Credit Union and Aloha Pacific Federal Credit Union.
- HawaiiUSA Federal Credit Union ranks highest with a 96% Recommend score, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its top position because customers point to fixed-rate personal loan options, online application access, flexible terms, and helpful service during the borrowing process.
- Hawaii State Federal Credit Union ranks second with a 95% Recommend score, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance, the highest Support & Guidance score among the top 3.
- Borrower feedback supports its strong ranking because customers highlight straightforward online application steps, clear personal loan choices, and useful guidance when applying.
- Aloha Pacific Federal Credit Union ranks third with a 94% Recommend score, 4.7 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its top-3 placement because customers point to competitive rates, flexible terms, no application fees, and dependable support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| HawaiiUSA Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 96% |
| Hawaii State Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Aloha Pacific Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Hawaii Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.6 | 93% |
| SoFi | Bank | 4.8 | 4.7 | 4.7 | 92% |
| HFS Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 91% |
| LightStream | Bank | 4.6 | 4.8 | 4.6 | 90% |
| Hawaii Community Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 89% |
| Best Egg | Online | 4.6 | 4.5 | 4.6 | 88% |
| Upstart | Online | 4.7 | 4.4 | 4.5 | 87% |