Personal loans in Kahului, HI
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Kahului, HI.
The median household in Kahului earns $98,077 a year, about the same as the Hawaii median of $100,389. About 9% of residents live below the federal poverty line, and 35.3% of households rent their home.
Hawaii law that applies in Kahului
| 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 Kahului
Here's what to have on hand before you start your personal loan request in Kahului:
- 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 Kahului
What Kahului borrowers use it for
cover a short gap before payday
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a personal loan in Kahului
- 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 Kahului
7 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Hawaiian Bank | 1 | 20 W Kaahumanu Ave, Kahului 96732 |
| Bank of Hawaii | 1 | 11 E Kamehameha Ave, Kahului 96732 |
| Hawaii National Bank | 1 | 53 S Puunene Ave, Kahului 96732 |
| Bank of Hope | 1 | 275 W Kaahumanu Ave, Kahului 96732 |
| American Savings Bank, National Association | 1 | 150 Hookele St, Kahului 96732 |
| Finance Factors, Ltd. | 1 | 27 S Puunene Ave, Kahului 96732 |
| Central Pacific Bank | 1 | 145 Hookele Street, Kahului 96732 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Kahului
10 credit-union locations from 9 credit unions.
| Credit union | Location |
|---|---|
| Hawaii State | 140 Hookele St Ste 230, Kahului 96732 |
| Hawaiiusa | Queen Kaahumanu Office Building, Kahului 96732 |
| Aloha Pacific | 70 Hookele St Ste 1210, Kahului 96732 |
| Hawaiian Financial | 101 Pakaula St, Kahului 96732 |
| Maui County | 270 Dairy Rd Ste 146, Kahului 96732 |
| Valley Isle Community | 160 Paahana St, Kahului 96732 |
| Maui | 107 E Wakea Ave, Kahului 96732 |
| Wailuku | 133 Maa St, Kahului 96732 |
| Kahului | 25 W Kamehameha Ave, Kahului 96732 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Maui County ·
Frequently asked questions
Can I get a personal loan with bad credit in Kahului?
Possibly. Lenders in our network consider applicants with fair and bad credit across Hawaii, including Kahului. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Kahului, HI?
Installment loans up to $1,500: 36% interest plus monthly fee; 12%/24% otherwise.
How fast can I get a personal loan in Kahului?
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.
How do installment loans work in Kahului?
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. Kahului residents can see installment loan offers with our free 3-minute form.
Where can I find a loan for bad credit in Kahului?
You can apply at local banks and lenders in Kahului, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Kahului with our free 3-minute form.
Can I get a personal loan in Kahului 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. Kahului residents can see if they qualify for $100 to $5,000 in about 3 minutes.
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 Kahului borrowers who qualify.
Do I need to visit a store in Kahului?
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.