Loans in Hawaiʻi

Getting a loan in Hawaii starts with knowing who to call.

Hawaii has a mix of national banks, strong local institutions like First Hawaiian and Bank of Hawaii, credit unions, SBA lending partners, and alternative lenders. The right source depends on what you need the money for, how quickly you need it, and what your financial profile looks like. Starting with a local institution is usually the right move because they already understand the Hawaii market. For small business loans, the SBA 7(a) program is active in Hawaii and several local lenders are preferred SBA lenders, which speeds up the process considerably. USDA rural development loans are available for certain neighbor island businesses. Community development financial institutions operate in Hawaii and specifically serve borrowers who do not qualify for conventional bank financing. For personal loans, credit unions in Hawaii often offer more favorable terms than commercial banks, particularly for members with an established relationship. The loan providers listed here are licensed in Hawaii and serve borrowers across personal, business, real estate, and specialized lending categories.