Personal loans in Makakilo, HI
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Makakilo, HI.
The median household in Makakilo earns $118,550 a year, 18% above the Hawaii median of $100,389. About 9% of residents live below the federal poverty line, and 22.4% of households rent their home.
Hawaii law that applies in Makakilo
| 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 Makakilo
Lenders that serve Makakilo typically ask for the following:
- 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 Makakilo
What Makakilo borrowers use it for
the fastest options online
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Makakilo
- 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 County
143 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 | 27 | 2411 S King St, Honolulu 96826 |
| Bank of Hawaii | 25 | 111 S King St, Honolulu 96813 |
| American Savings Bank, National Association | 24 | 300 N Beretania St, Honolulu 96817 |
| Central Pacific Bank | 20 | 220 S King St, Honolulu 96813 |
| Bank of Hope | 20 | 1000 Bishop St, Honolulu 96813 |
| Finance Factors, Ltd. | 9 | 1164 Bishop St, Honolulu 96813 |
| Hawaii National Bank | 8 | 45 N King St Fl 7, Honolulu 96817 |
| Mechanics Bank | 3 | 2 S King St, Honolulu 96813 |
| Commonwealth Business Bank | 3 | 1357 Kapiolani Blvd, Honolulu 96814 |
| Royal Business Bank | 1 | 765 Bishop St, Honolulu 96813 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Honolulu County
101 credit-union locations from 28 credit unions.
| Credit union | Location |
|---|---|
| Pearl Hawaii | 94-449 Ukee St, Waipahu 96797 |
| Navy Federal Credit Union | 95-1830 Meheula Pkwy, Mililani 96789 |
| Pentagon | Building 553, Fort Shafter 96858 |
| Hawaii State | 333 Queen St, Honolulu 96813 |
| Hawaiiusa | 1226 College Walk, Honolulu 96817 |
| Operating Engineers Local Union #3 | 2181 Lauwiliwili St # 120, Kapolei 96707 |
| Aloha Pacific | 832 S Hotel St, Honolulu 96813 |
| Matanuska Valley | 94-226 Leoku St Unit 4, Waipahu 96797 |
| Hawaiian Financial | 1138 N King St, Honolulu 96817 |
| Lokahi | 98-1005 Moanalua Rd Spc 245, Aiea 96701 |
| 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 Makakilo?
Possibly. Lenders in our network consider applicants with fair and bad credit across Hawaii, including Makakilo. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Makakilo, HI?
Installment loans up to $1,500: 36% interest plus monthly fee; 12%/24% otherwise.
How fast can I get a personal loan in Makakilo?
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 can I get an emergency loan in Makakilo?
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.
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 Makakilo borrowers who qualify.
Where can I find a loan for bad credit in Makakilo?
You can apply at local banks and lenders in Makakilo, 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.
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.
How do I apply for a personal loan with bad credit in Makakilo?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
Do I need to visit a store in Makakilo?
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.