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Personal Loans & Lines of Credit

Discover loan options with rates you can afford. Bring your purchasing dreams to life with help from Central Pacific Bank. Together, we can find the right loan or credit line to consolidate debt or fund your most important purchases, all at a rate or payment schedule that works for you.

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Home Equity Line of Credit

Use the equity in your home to consolidate debt, make home repairs, and more with a HELOC.

  • Competitive introductory rates and fixed rate loan options available1
  • No down payment
  • No annual fee
  • Quick loan approval process
  • Easy automatic payments from your Central Pacific Bank Exceptional Checking Account

Personal Loan

For your short-term borrowing needs, we offer some of the most competitive rates around town with a convenient 60-month term, to keep your payments low.

  • Convenient 60-month term2
  • Up to a maximum of $50,000.00
  • No penalty for paying your loan off early

Auto Loan

Drive away with low-rate lending on your next car.

  • Fixed interest rate
  • Fixed monthly payment
  • Lower rates than a comparable Personal Loan
  • Counts toward Exceptional Plan balances

Personal ExpressLine of Credit

Get access to money that’s available any time you need it.

  • Revolving line of credit
  • Up to a maximum of $50,000.00
  • Counts toward Exceptional Plan balances

PV Power Loans

Get the financing you need to add solar panels on your home.
  • No Down Payment Flexible
  • Repayment terms (60 months or 72 months)
  • Quick loan approval process
  • No added mark ups by our approved contractors

  1. Discounted Introductory Fixed Rates of 3.90%, 3.95% and 4.00% Annual Percentage Rate (APR) available as you may select for three, four or five years, respectively for approved applications received between 10/8/2022 - 10/21/2022 and funded by 12/16/2022.. After the initial fixed rate period, rates are variable and the APR is subject to change monthly based on the Prime Rate published in the Wall Street Journal, plus a margin; margin is based on your credit history and bank relationship. Undiscounted APR for Owner Occupant property is currently 7.25% and as of 9/22/2022. Investor and Second Home margin is 0.50% higher. Discounted rate and margin is 0.50% higher for home equity lines of credit with maximum total loan-to-value of 90% and a qualified Central Pacific Bank first mortgage loan. Minimum APR after the fixed rate period will be 4.50%. Maximum APR is 18.00%. Discounted Fixed Rates require minimum monthly payment automatically debited from a Central Pacific Bank personal Exceptional Checking Account. After the introductory rate period, or if the automatic debit is cancelled or the personal Exceptional Checking Account is closed, the rate will change to a variable rate as described in the Important Terms of Our Home Equity Line of Credit; ask us for a copy. A Central Pacific Bank Home Equity Line of Credit account holder with an account opening date after January 17, 2011 (including both existing accounts and accounts closed within six months after the Bank received a new Home Equity Line of Credit application) that has already received a promotional rate is not eligible for this offer. Ask about our Introductory Fixed Rates for owner occupants with automatic payment from other CPB personal checking account types.
  2. Minimum monthly payment varies based upon the loan term and Annual Percentage Rate (APR).  For a typical loan with a 60-month term, the minimum monthly payment would be:

    • $197.96 per $10,000 borrowed at 7.99% APR.
    • $248.47 per $10,000 borrowed at 24.00% APR.
Interest rate is based on individual’s credit report.