Personal loans in Waihee-Waiehu, HI
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Waihee-Waiehu, HI.
The median household in Waihee-Waiehu earns $126,735 a year, 26% above the Hawaii median of $100,389. About 6% of residents live below the federal poverty line, and 16.3% of households rent their home.
Hawaii law that applies in Waihee-Waiehu
| 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 Waihee-Waiehu
Lenders that serve Waihee-Waiehu 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 Waihee-Waiehu
What Waihee-Waiehu borrowers use it for
deposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a personal loan in Waihee-Waiehu
- 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 Maui County
31 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank of Hawaii | 10 | Hana Shopping Center, Room 3, Hana 96713 |
| First Hawaiian Bank | 6 | 20 W Kaahumanu Ave, Kahului 96732 |
| American Savings Bank, National Association | 6 | 150 Hookele St, Kahului 96732 |
| Central Pacific Bank | 4 | 207 Piikea Ave Ste 6-63, Kihei 96753 |
| Bank of Hope | 3 | 275 W Kaahumanu Ave, Kahului 96732 |
| Hawaii National Bank | 1 | 53 S Puunene Ave, Kahului 96732 |
| Finance Factors, Ltd. | 1 | 27 S Puunene Ave, Kahului 96732 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Maui County
21 credit-union locations from 12 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 | 224 Kehalani Drive, Wailuku 96793 |
| Valley Isle Community | 160 Paahana St, Kahului 96732 |
| Maui | 107 E Wakea Ave, Kahului 96732 |
| Wailuku | 133 Maa St, Kahului 96732 |
| Molokai Community | 135 Puali Place, Kaunakakai 96748 |
| Kahului | 25 W Kamehameha Ave, Kahului 96732 |
| Lanai | 816 Ilima Ave, Lanai City 96763 |
| Maui Teachers | 2145 Wells St Ste 101, Wailuku 96793 |
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 Waihee-Waiehu?
Possibly. Lenders in our network consider applicants with fair and bad credit across Hawaii, including Waihee-Waiehu. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Waihee-Waiehu, HI?
Installment loans up to $1,500: 36% interest plus monthly fee; 12%/24% otherwise.
How fast can I get a personal loan in Waihee-Waiehu?
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 Waihee-Waiehu?
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.
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. Waihee-Waiehu residents can see their options in about 3 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.
Can I get a personal loan in Waihee-Waiehu 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. Waihee-Waiehu 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 Waihee-Waiehu borrowers who qualify.
Do I need to visit a store in Waihee-Waiehu?
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.