Personal Loans
At Ko’olau Federal Credit Union, we believe your financial journey should be supported by neighbors who understand Oahu. Since 1953, our mission has been "Neighbors Helping Neighbors," serving Honolulu County and our military families at Marine Corps Base Hawaii (MCBH) with affordable lending.
Whether you are looking to consolidate high-interest debt, tackle home improvements in Kailua, or manage an unexpected medical expense, our personal loans offer fixed rates and terms up to 84 months.
As a not-for-profit cooperative, our earnings are returned to you through lower rates and fewer fees.
No Hidden Fees: We offer a $0 application fee to keep your borrowing affordable.
Predictable Payments: Our fixed interest rates mean your monthly payments never change, unlike high-interest credit cards.
Local Decision Making: Your application is reviewed right here on Oahu by lenders who know our community.
No Prepayment Penalties: Pay off your loan early anytime without extra charges.
| Loan Type | Signature Loan | Signature Auto Loan | Share Secured Loan | Personal Line of Credit |
|---|---|---|---|---|
| Best for: | Large purchases, weddings, or debt consolidation with fixed payments. | Using your vehicle's equity (even if 10+ years old) for a lower rate. | Building credit by borrowing against your savings while still earning dividends. | Ongoing flexibility, overdraft protection, or an emergency safety net. |
| Loan Purposes: | Consolidating credit cards, tuition, or major travel. | Cash for repairs or large expenses based on vehicle value. | Securing the lowest APR while maintaining your savings balance. | Emergency funds, bounced check protection, and home maintenance. |
| Maximum Loan Amount: | Up to $30,000 | Up to $40,000 | Up to 100% of shares | Up to $15,000 |
| Terms: | Up to 84 months | Up to 84 months | Up to 120 Months | Flexible Revolving |
| Collateral Required: | None | Auto Title | Secured shares | None |
| Standard Features: | Fixed Rate | Fixed Rate | Fixed Rate | Variable Rate |
Additional Loan Services
Applying is straightforward and stress-free. Choose the method that works for you:
Online Application: Submit our secure [Consumer Loan Application] for a response within one business day.
Apply by Phone: Call us at (808) 254-3566 to speak with a loan officer.
Visit a Branch: Stop by to discuss your needs in person.
Our Electronic Loan Payment program allows you to make remote payments to your KFCU loan 24/7—it’s fast, easy, and secure.
You can easily make payments from another financial institution to your loan at Koʻolau FCU.
To pay from your KFCU account, simply sign in for a free and immediate transfer.
Note: There is a $10.00 processing fee for debit or credit card payments greater than $50.00 made from other financial institutions.Features:
Features:
Make a payment towards your loan using another financial institution’s Visa or Mastercard Debit or Credit card or your Discover Credit Card
Make a payment towards your loan using your checking or savings account from another financial institution
Review payment history up to 2 years
Make a payment to a Loan (Auto, Personal, Home Equity LOC)
Explore our related services to build your financial health:
Auto Loans: Browse 2 million+ vehicles and get pre-approved before you shop.
Mortgage & Home Equity: Secure your dream home with our local expertise.
Financial Education: Access free counseling to help manage debt and credit reports.