Lock in a rate as low as 8.50% APR*

Consolidate debt, pay for the unexpected, or fund an exciting milestone. View full disclosures.

Budget confidently with a fixed interest rate

Your rate will never change, keeping your monthly payments predictable

Flexible terms to fit your needs

Personal loan terms from 12 to 72 months

Choose a safety net

Enroll in our Credit Protection Plan in case of job loss 

Borrowing is simple with competitive, fixed-rate Personal Loans from HawaiiUSA Federal Credit Union.

We can help you get the funds you need to achieve your financial goal

  • Borrow and receive your money in a lump sum (up to $10,000.00)
  • Save up to 0.25% when you enroll in AutoPay to automatically deduct payments from your HawaiiUSA checking account
  • Pay off your Personal Loan ahead of time, without penalty
  • Manage your Personal Loan through Digital Banking and the HawaiiUSA FCU Mobile App

Frequently asked questions

All Personal Loans except 1st & 2nd Mortgages, Lines of Credit, Variable Rate loans and credit cards are eligible for a .25% discount with automatic transfer from either share draft, share account with ACH payroll deposit or payroll deduction. Additional discounts are available. Rate will increase if automatic transfer or payroll deduction is discontinued.

A personal loan can be used for various purposes, such as debt consolidation, home improvements, medical expenses, wedding expenses, travel, major purchases, and emergency needs. It provides funds to cover your expenses and is typically repaid over a fixed period with interest. Look for a loan with a fixed interest rate that doesn’t fluctuate, so you can predict your future payments.

Personal Loan Resources

Secure the loan you need

When applying, please provide one month of your most recent pay stubs.

Choose how much to borrow
Tell us about yourself
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Credit Card

Get some cash for spending.

Get a cash back credit card with 1% unlimited cash back and no annual fee.


APR = Annual Percentage Rate. This offer can be cancelled or changed at any time. Rates range from 8.50% to 18.00% 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 8.50% without. (Payment example: Loan amount of $1,000 at 8.50% APR for 12 months would have a monthly principal and interest payment of $87.30, a final payment of $87.22, for a total loan amount of $1,047.52). Personal Loans available from 12 to 72 months. Other loan products available. Subject to HawaiiUSA's loan terms and conditions. Personal Loan rates and terms as of June 1, 2024. Minimum membership length of 12-months required. Other membership guidelines and restrictions may apply.