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Overview
Personal Loan ~Back-to-School Sale~
Sale runs August 17 - September 30
Borrow $5,000 for as low as $156/month!
Starting August 17, we’ve got discounted Personal Loan rates as low as 7.49% APR* for 3 years! Whether it’s school supplies, home improvements, or consolidating debt, embrace the season of change with a Personal Loan from UHFCU and fall in love with the possibilities!
- As low as 8.99% 7.49% APR* for 36 months
- Or, up to 1.00% off your qualifying rate
- Borrow up to $25,000
- Get an Instant Decision and Same-Day Funds**
- Limited Time sale runs August 17 through September 30, 2026
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Rates
Personal Loan Rates
Loan Products Terms APR* Personal Loan
12 months 7.49%1 Apply Now 24 months 7.49%1 Apply Now 36 months 7.49%1 Apply Now 48 months 9.24%1 Apply Now 60 months 9.74%1 Apply Now Rates are accurate as of 8/17/2026 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available, including a discount for automatic payment. Certain restrictions and promotional terms may apply. -
Calculator
Loan Payment Calculator
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FAQ
Personal Loan Promo FAQs
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How do I get Same-Day Funding?
Same-day funding is possible for applications received prior to 12pm each business day, Monday through Friday. Subject to meeting credit underwriting criteria. Other factors and restrictions apply.
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Can I use this loan to refinance another loan from a different financial institution?
Yes! With credit approval, we can refinance your loan from another financial institution to reduce your interest rate and monthly payments.
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How do I set up automatic payments?
There are two easy options to set up automatic payments:
- Transfer Between UHFCU accounts: You may make loan payments by transferring from an eligible UHFCU deposit account to your loan account using Online Banking. Transfers can be set up as one-time transfers or scheduled on a regular basis for even more convenience.
- Make automatic payments from another bank/credit union to UHFCU: Make automatic payments from outside the Credit Union to your UHFCU savings or checking account. Simply provide the sender our Routing and Transit number (321379656) and your Savings account number (4 or 5 digit) or your 10 digit checking account number. (The Checking account number can be found printed on the bottom of your checks.)
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How do I get Same-Day Funding?
Personal Loan ~Back-to-School~ Sale
*Annual Percentage Rate. 7.49% rate applies to 36-month (or less) Personal Loan and is the lowest rate available. 1.00% discount off qualifying rate applies to applicants with credit scores between 615 and 719. Automatic payments are required to earn the fully discounted rate. $25,000 maximum loan amount. New or existing UHFCU Checking account required to qualify for special rate. Offer begins 8/17/26 and ends 9/30/26. Loan must fund by 10/3/26. Rate may vary depending on each individual’s credit history and underwriting factors. Payment example: Loan amount of $5,000 at 7.49% for 36 months would have a monthly principal and interest payment of $155.51. Rates, programs, terms, and conditions are subject to change at any time without notice. Certain restrictions apply. **Same-day funds possible for applications received prior to 12pm each business day, Monday through Friday. Subject to meeting credit underwriting criteria. Other factors and restrictions apply.
Galaxy Tab Giveaway
**NO PURCHASE OR CREDIT UNION TRANSACTION NECESSARY TO ENTER OR TO WIN. Galaxy Tab Giveaway runs from 8/1/25 to 9/30/26. Must be a legal resident of the State of Hawai`i and twenty-one (21) years of age or older with a valid Social Security Number as of 9/30/26 to enter. In addition, you must apply for a loan through our Loan Review service (loans.uhfcu.com) between 8/17/26 and 9/30/26 to be automatically entered to win. This promotion excludes UHFCU employees, Board of Directors, and Volunteers, as well as their spouses, dependent children, or household members. Terms and conditions subject to change without notice. Visit a branch or click here for full Official Rules.
**Same-day funding possible for applications received prior to 12pm each business day, Monday through Friday. Subject to meeting credit underwriting criteria. Other factors and restrictions may apply.
