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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 ReikoGreat featuresVery satisfied, loan officer was very helpful and was fast
by JsohanaThe timing was perfect!Took out a personal loan to do much needed repairs to my house and vehicles.
by Aef808Excellent Personal ServiceI was very impressed with the care taken and timeliness of the loan I received. Seantelle at HFS was wonderful to work with!
by DbalExcellent service!I was very satisfied with the awesome service from the Kamuela branch!
by DianeGreat serviceThis was one of the easiest , fastest loan process. Very stress free. Love Donna at Keaau branch
by Brighams10Personal LoansEven though I've had to wait awhile for someone to see me, the officer that waited on me was very efficient, friendly, and made me feel welcome!
by Momof2Life SaverI had to take control of my debt and this loan offer helped me achieve that. With such a low interest rate, my monthly payments were lower. I can now use the monthly savings to pay more then just minimum on other debt. Knocking down one by one
by PennypincherGreat Customer Service !!I just did a personal loan and worked with such an awesome Loan Officer
by MacoTimely responseMany thanks to HFS CU. I had just started a new business venture and had to resort to credit cards when I ran out of personal money to get it up and going. I was seeking a small personal loan to consolidate the credit cards into a single payment with lower interest. The offer of a loan from HFS CU came thru at the ideal time.
by KananiAbove & BeyondI really needed the financing and my agent Kiana, really went the extra mile to get me approved and funded really quickly.
by StephEasy easy easy process!This is my second loan with hfs and i couldn't be happier with the whole process from application to completion and assistance and consideration every step of the way. Donna, the keaau branch manager, is a delight and most helpful and knowledgeable. This 'survey' page needs some help tho! it shows that this window can be made larger ... but on several attempts i wasn't able to get it to 'expand' and had to do 'shenanigans' to keep the line of the text appropriate.
by CraigSimple and ManageableThe loan offer was right on time when my family needed it and the application process was no stress.
My Review
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Rates & Fees
Rates Effective as of: 05-06-2024
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?