As low as 5.00% APR* for 12 months



Low fixed rates

Pay less interest and know what to expect

See rates

Save 0.25%* with AutoPay

Never miss a payment. Sometimes out-of-sight; out-of-mind is a good thing

Unemployment protection

Get peace of mind with our optional Credit Protection Plan


Apply Now


What does your next step look like?

A personal loan can be used for many purposes. What's yours?





How to get started: 

  1. Choose how much to borrow and see your estimated monthly payment
  2. Tell us about yourself
  3. Complete your application


Apply now



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Line of Credit

Borrow only what you need, when you need it

Cash Back Credit Card

No annual fee. Cash back. Contactless.

Auto Loan

New or used; calculate your auto loan payment



*APR = Annual Percentage Rate. This offer can be cancelled or changed at any time. Rates range from 5.00% to 17.75% Annual Percentage Rate (APR) based on the specific characteristics of your credit application, including but not limited to evaluation of credit worthiness and income verification. Loan amount must meet $500 minimum requirement. New Personal Loans are eligible for a 0.25% discount with automatic transfer from either share draft, share account with ACH payroll deposit, or payroll deduction; rate as low as 5.25% without. (Payment example: Loan amount of $1,000 at 5.00% APR for 12 months would have a monthly principal and interest payment of $85.35). Personal Loans available from 12 to 72 months. Other loan products available. Subject to HawaiiUSA's loan terms and conditions. Membership guidelines may apply. Other restrictions may apply. Insured by NCUA.