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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 Blonde007Great interest rate!Got a great deal on a personal loan. thanks so much!
by PaulGreat people to work withGreat people very compassionate and understand. Quick with my loan
by TatiOnline loanI just consolidated all my bills and did it via online and didn't have to come into the bank and sign papers.
by Piilani123Superb!Hfs and Ryan offers an excellent Five-Star customer service!
by ElliePersonal loanThis loan came in a perfect time. I was so grateful when they approved it. Mahalo HFS.
by Sandra808Good experienceI was approved for a personal loan from HFS FCU and was pleased with the service I received.
by TerrisAwesome!!Just got a personal loan with HFSFCU and could not have been easier! Paid off some bills and had some extra money for my trip. All documents could be electronically signed so it was very convenient! Overall, awesome experience!
by NanaPersonal loanI recently applied online for a personal loan thru HFS FCU. I followed up with hfs when i walked in the institution to do my personal banking. A loan officer called me and verified personal and financial information, I was given a time frame for a return call from her, which she kept very prompt. Within a couple days, my loan was approved and used for home improvements.
by DmkwwExcellent!Great customer support by Tammy! Easy no hassle service.
by RisingtideGreat serviceEasy process of getting an auto loan. Excellent customer service. Great offer!
by DebraExcellent customer serviceI promptly received a courteous call letting me know the loan application process was taking a little longer than ususal due to the overwhelming response of this loan special.
by Ugie49Awesome Interest Rate!!!Blessed and Thankful to Donna at Keeau HFS. She assisted me to get this Personal Loan for Household Items. Donna provided Professional and Awesome Service. Awesome Interest Rate for this Loan...Mahalo Donna!!!
My Review
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Rates & Fees
Rates Effective as of: 05-19-2024
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?