Personal loans in Honolulu, HI
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Honolulu, HI.
The median household in Honolulu earns $86,504 a year, 14% below the Hawaii median of $100,389. About 12% of residents live below the federal poverty line, and 51.1% of households rent their home.
Hawaii law that applies in Honolulu
| Rate cap | Installment loans under 480J: interest up to 36% a year, plus a monthly maintenance fee of $25 (loans under $300), $30 ($300-$699.99) or $35 ($700 and up), prorated daily for part months, with no maintenance fee for active-duty servicemembers and dependents. |
|---|---|
| License required | Yes. |
| Loan sizes covered | Up to $1,500 per lender at any time, with terms from 2 months (loans of $500 or less) or 4 months (over $500) up to 12 months. |
Full rules with statute citations: Personal Loans in Hawaii. Cities in Hawaii cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Honolulu
Most Honolulu applicants can finish in one sitting if they have these ready:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Honolulu
What Honolulu borrowers use it for
deposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Honolulu
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Honolulu
85 FDIC-insured bank branches from 13 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Hawaiian Bank | 14 | 2411 S King St, Honolulu 96826 |
| Bank of Hope | 14 | 1000 Bishop St, Honolulu 96813 |
| Bank of Hawaii | 13 | 111 S King St, Honolulu 96813 |
| American Savings Bank, National Association | 12 | 300 N Beretania St, Honolulu 96817 |
| Central Pacific Bank | 11 | 220 S King St, Honolulu 96813 |
| Finance Factors, Ltd. | 7 | 1164 Bishop St, Honolulu 96813 |
| Hawaii National Bank | 6 | 45 N King St Fl 7, Honolulu 96817 |
| Mechanics Bank | 2 | 2 S King St, Honolulu 96813 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Honolulu
56 credit-union locations from 22 credit unions.
| Credit union | Location |
|---|---|
| Pearl Hawaii | 1288 Ala Moana Blvd Ste 106, Honolulu 96814 |
| Navy Federal Credit Union | 30 Hickam Ct, H St, Honolulu 96818 |
| Pentagon | 4250 Radford Dr Bldg 63, Honolulu 96818 |
| Hawaii State | 333 Queen St, Honolulu 96813 |
| Hawaiiusa | 1226 College Walk, Honolulu 96817 |
| Aloha Pacific | 832 S Hotel St, Honolulu 96813 |
| Hawaiian Financial | 1138 N King St, Honolulu 96817 |
| Lokahi | 4211 Waialae Ave # K13, Honolulu 96816 |
| University Of Hawaii | 2019 S King St, Honolulu 96826 |
| I.L.W.U. | 680 Iwilei Rd, Honolulu 96817 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Honolulu County ·
Frequently asked questions
Can I get a personal loan with bad credit in Honolulu?
Possibly. Lenders in our network consider applicants with fair and bad credit across Hawaii, including Honolulu. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Honolulu, HI?
Installment loans up to $1,500: 36% interest plus monthly fee; 12%/24% otherwise.
How fast can I get a personal loan in Honolulu?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Honolulu residents can see their options in about 3 minutes.
How long does it take to get a personal loan in Honolulu?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Honolulu.
Can I get a personal loan in Honolulu with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Honolulu residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How do installment loans work in Honolulu?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Honolulu residents can see installment loan offers with our free 3-minute form.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Honolulu borrowers who qualify.
Do I need to visit a store in Honolulu?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.