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Personal Loan

For your short-term borrowing needs, we offer some of the most competitive rates around town with a convenient 60-month term1, to keep your payments low.

Personal Loan
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Personal Loan

Personal Loan

  • Convenient 60-month term.1
  • No penalty for paying your term loan off early.
  • Free Online Banking access with your Personal Loan
  • Balances are eligible to count towards an Exceptional Plan, providing you with additional benefits and valuable discounts.
Minimum loan amount is $5,000.00 and maximum loan amount is $50,000.00.

Note: Central Pacific Bank currently accepts applications for Consumer Credit from Hawaii residents only.

Apply for a CPB Personal Term Loan Online

Apply for a CPB Personal Term Loan Online

Secure, fast, and convenient.Some helpful tips and reminders are listed below to make your experience as smooth as possible.

To apply via traditional application or for a personal loan other than a Personal Term Loan, click here for a PDF version of the Consumer Credit Application.

Application Tips:

  • You’ll need to read and accept the E-sign Disclosure before continuing with the online application process.
  • The CPB Branch you select will determine which branch your loan is assigned to.
  • Valid sources for personal identification information include: US Driver's License, US State Identification, US Passport, or Military Photo Identification.
  • Review Employment and Income information and make any corrections, if necessary, before clicking on the Submit button.
  • Remember your application confirmation number to go back to a saved application or to check on the status of your application.

After you receive your confirmation notice at the end of the process, you will be able to upload any documents required for the processing of your loan request.

Required documents include:

  • For requests over $10,000: copies of your pay stubs (last two pay periods); OR, if you are self-employed or wish to also include rental income, then copies of your Federal Income Tax Returns (last two years).
  • For requests over $25,000: copies of your pay stubs (last two pay periods) AND copies of your Federal Income Tax Returns (last two years).

1 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:

·       $217.42 per $10,000 borrowed at 11.00% APR.

·       $240.53 per $10,000 borrowed at 15.50% APR.

   Interest rate is based on individual’s credit report.