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Overview
Why get a Personal Loan from HFS?
Whether you’re meeting an obligation or preparing for a big purchase you can choose a personal loan that will fit your needs. Applying online is simple and easy!
- Competitive interest rates
- Terms up to 60 months
- Borrow up to $25,000
- Receive up to 0.50% interest rate reduction when you apply online & setup Automatic Payments
- No prepayment penalty
Review
Cliff
Awesome loan process. It was very convenient especially electronic signing.
1The 5.50% APR is derived by discounting the rate of 6.00% APR with a 0.25% discount for applying online, and a 0.25% discount for automatic payments. Monthly payments at 5.50% APR will be $191.10 per $10,000 borrowed. The actual rates and APR depend on credit history and loan terms. Other rates and terms are available. Subject to credit approval.
Subject to credit approval. Rate may vary based on individual creditworthiness and loan term. Insurance products are not products of the Credit Union; and are not obligations of or guaranteed by the Credit Union. Credit Disability Insurance is offered through CUNA Mutual Group.
Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawaii. A non-refundable $1.00 fee is required to establish membership. A minimum opening balance of $50.00 is required to open a savings account. -
Reviews
Personal Loans Reviews
by LeeLynn LagatHelpful and knowledgable staffWe recently applied for a personal loan at HFS FCU - Kea'au and was taken care of professionally and courteously. Tammy K. was very efficient and knowledgable.. She is one of the many reasons we will continue to do our banking with HFS FCU.
by Gerardfast and easy processQuick, and easy process. Staff was very friendly and a joy to work with!!
by Henrietta K GaspangWaynette - Best Loan OfficerWaynette such a Blessing. She is professional, very knowledgeable, friendly and listens. I applied online, she was able to process my loan within the week before my trip. Process was quick and painless...Mahalo Waynette for all that you do for me and uncle!!!
by LoriEveryone is great!We have had hfs for 34 yrs and they never cease to amaze us. We applied for our loan on line to consolidate some of our bills, within a few days we got the call. What can I say everything was like clock work.
We got what we needed and Ryan did everything eles.
Hfs is the best!!!
They show you they want to help you, with a kind, perfessional, loving, and caring spirit.
Thank you so much HFs for being there for us and for treating us like family.
You da best!!!by Searle GraceAmazing ServiceI just got a personal loan from HFS and the customer service was unbelievable. I look forward to doing more business them!
by KatherineFriendly, Promt and Professional- Beverly, HFS Loan Officer Prince Kuhio BranchFast and reliable service, all at the touch of a finger and advance technology. Received my loan approval and funds available in 2 days. Thank you HFS FCU and Beverly, Prince Kuhio Branch Loan Officer.
by DarrelEasy and there for me when ever I needed itThey made it so easy for me, I simply asked for the amount and they did the rest. I had the money in my account the week after and had the autopay all set up. They've been a huge help for me and for building my credit. They even took my auto loan and gave me a Awesome rate as well as got me credit card with no annual rate and outstanding percentage. This is the best credit union on the island
Hi Darrel! Glad to hear you had a quick and easy loan process and that you're all set with your new credit card, featuring a low interest rate and no annual fee!
by Robert ColemanBest All round in Every CategoryThis is the second loan from HFS I've had. Both times it was done very easily and fast. I can't say enough about the service and ease of obtaining the loan and I now live a long way from Hawaii in Alabama. After more than 12 years...I still miss Hawaii and dream of returning some day. Mahalo
by RhondaMelanie~ Outstanding Customer Service!!Melanie has helped my family and I with previous auto loans about 6 years ago... I most recently sought her assistance again with a personal loan and she is still the most efficient, reliable and responsive loan officer that she was years ago. She made herself available, offered options to assist with my busy schedule and communicated with me as we approached different stages of the process. I appreciate her outstanding service and that's why I will return to HFSFCU for many of my financial needs. Mahalo nui Melanie!!
by Zena HendrixAwesome first loan experienceI secured my first personal loan. It was an uplifting experience. With the knowledgeable people and electronic signing, the paperwork was easy to complete. Thanks HFS for taking a chance on me.
by Thomas A. Borawski"OUTSTANDING"I just got Donna at the Keaau Credit Union do put in a loan for me to consolidate my credit cards. Donna was most helpful in getting what I had wanted. My credit score jumped. Which is a good thing.
Donna is such a nice person she laughs make me happy. Its always nice to stop into the office just to say hello to Donna and Tammy. Tammy has helped me in the past getting a loan. I took care of everyone their on Valentine's Day with chocolate covered strawberries. It was really nice that I received a thank you card everyone signing it.by Erlinda WalkerTerrific customer serviceBeverly was terrific in processing my loan so quickly and I didn't have to leave work to get the papers signed. She
arranged to have my payments set up so it was easy for me each month. Much mahalo to her.My Review
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Rates & Fees
Rates Effective as of: 10-03-2023
Personal Loans
Term Annual Percentage Rate Personal Loan Up to 12 Months 6.000% to 15.000% 13 to 36 Months 6.750% to 16.750% 37 to 60 Months 7.750% to 17.750% Effective Date: May 1, 2017
0.25% discount with Automatic Transfer from Share Draft, Share Account, or Payroll Deduction and 0.25% discount with submission of Web-Loan application.
Subject to credit approval. Rate may vary based on individual creditworthiness and loan term.
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Calculator
Calculator
Calculate your monthly payments.
Personal Loan Calculator
The Calculator Tools are not guarantees of credit. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
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FAQ
Frequently Asked Questions
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What are your current rates?
Please check the Rates & Fees tab for our most up-to-date rates and available terms.
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What is the maximum we can borrow for a Personal Loan?
The maximum amount you can borrow for a Personal Loan is $25,000. Anything higher will require further review.
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If my current contact information is different than what is shown on my account, should I apply with my new information?
Yes. Please note that during the loan review process, we will need to verify your contact information for discrepancies. To make this process as efficient as possible, please either update your contact information on HFS Online Banking, visit any branch or call 930-1400 before submitting your application.
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What are your current rates?
Questions?
Drop us a message anytime with your questions about Personal Loans.