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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 LeilaniGreat service!Thanks waynette for helping us consolidate our debt and purchase much needed new appliances. Such easy process.
by CliffFantastic electronic features.Awesome loan process. It was very convenient especially the electronic signing.
by AngelaEasy process!I just got approved for a loan for some much needed repairs to my vehicle. I applied online and within a week I got a follow up call approving my loan. Very low interest rate, easy payment setup, no paperwork involved(all electronic) so NO NEED to walk in! Awesome Awesome Awesome!
by AppleTake much longer than other credit unionsMy sister suggested I use her bank HFS for a loan. I must say I have had loans with 2 other credit unions and it did not take 1+ weeks to review it was more like 2-3 days. While the people are nice the single call center and longer than average times are less than excellent.
by Anthony808Outstanding member service and excellent product!I recently closed a personal loan with HFS FCU, and I was extremely pleased with the service of both the staff and the loan product. I submitted my application online and was contacted by staff about a week later that because of the overwhelming demand for the promotion, they would need more time to analyze the application. A few days later, I received a call from a branch manager who was friendly and understanding, not only asking questions related to my loan, but also wanted to know more about me as a member. I enjoyed the interactions I had with her, and I will always remember how she listened and offered to give me advice for the future. I am grateful to be a member of HFS FCU, and I am glad to be a part of their family. Thank you for helping me with my financial needs!
by MokmanGood ratesVery efficient & good customer service. Promptness of getting loan.
by GsantiPersonal LoanVery satisfied with the loan process and the loan processor professionalism
by BuffPersonal LoanGetting this loan has been beneficial to our financial situation.
by AnnmilarPersonal loanMy loan experience was painless. Way nettle was wonderful. She was very attentive, friendly and helpful. She made it convenient for me and my work schedule. I have stayed a member at HFS because they are great to work with.
by NikkiAmazing customer service and loan rate!Never seen a personal loan rate so low! Very impressive! And Seantelle is always so wonderful to work with!
by NoelaniLoan Application ProcessI was very satisfied with the handling of my personal loan to clear my debts. It was easy and loan dept. very helpful. Mahalo Nui.
by LmyjGreat Service!I was able to apply for the loan to consolidate our debt on line and complete everything that needed to be done online. This was important to me because my husband was traveling and could sign electronically.
My Review
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Rates & Fees
Rates Effective as of: 04-24-2024
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?