Personal loans in Kihei, HI
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Kihei, HI.
The median household in Kihei earns $87,772 a year, 13% below the Hawaii median of $100,389. About 7% of residents live below the federal poverty line, and 40.7% of households rent their home.
Hawaii law that applies in Kihei
| 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 Kihei
Here's what to have on hand before you start your personal loan request in Kihei:
- 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 Kihei
What Kihei borrowers use it for
handle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Kihei
- 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 Kihei
5 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Hawaiian Bank | 1 | 41 East Lipoa Street Number 28, Kihei 96753 |
| Bank of Hawaii | 1 | 1280 S Kihei Rd Ste 116, Kihei 96753 |
| American Savings Bank, National Association | 1 | 255 Piikea Ave, Kihei 96753 |
| Central Pacific Bank | 1 | 207 Piikea Ave Ste 6-63, Kihei 96753 |
| Bank of Hope | 1 | 1279 S Kihei Rd, Kihei 96753 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Kihei
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Hawaii State | 277 Piikea Ave, Kihei 96753 |
| Hawaiiusa | 41 E Lipoa St Ste 25, Kihei 96753 |
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 Kihei?
Possibly. Lenders in our network consider applicants with fair and bad credit across Hawaii, including Kihei. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Kihei, HI?
Installment loans up to $1,500: 36% interest plus monthly fee; 12%/24% otherwise.
How fast can I get a personal loan in Kihei?
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.
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 Kihei borrowers who qualify.
How can I get an emergency loan in Kihei?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
How long does it take to get a personal loan in Kihei?
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 Kihei.
How do installment loans work in Kihei?
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. Kihei residents can see installment loan offers with our free 3-minute form.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
Do I need to visit a store in Kihei?
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.