Finance home repairs without using your home as collateral

Get the money you need for your next home renovation project

Fixed rates at attractive terms

Flexible terms and competitive interest rates keep your payments affordable

For Hawaii property only

Loan must be for a property located in the State of Hawaii

Quick and easy loan processing

Get the funds you need to start your home improvement project

Transform your home into the home of your dreams with a Home Improvement Personal Loan

Competitive rates from HawaiiUSA Federal Credit Union can help save you more

  • For owner-occupied, fee-simple residences
  • Property must be located in the State of Hawaii
  • Loans up to $50,000; requests for higher amounts can be considered on a case-by-case basis
  • Lower fixed rates at longer, attractive terms
  • Quick and easy processing

Frequently asked questions

Unlike a HELOC, a Home Improvement Personal Loan does not use your home as collateral and does not require you to tap into your home equity, which can make approval faster and reduce closing complexity.
Loan amounts are available up to $50,000, and requests for higher amounts may be considered on a case-by-case basis, depending on your credit profile and HawaiiUSA’s lending guidelines.
You can use funds for many home projects, including repairs, remodeling, room updates, energy-efficiency upgrades, or other improvements to your owner-occupied, fee-simple residence in Hawaii.
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All proceeds must be for home improvements to owner occupied principal residence; invoice receipts or contracts should be reviewed to verify proceeds used for home improvement purposes.