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Personal Loan

Personal Loan


If you need a lump sum of cash to consolidate high-interest debt or pay for a big purchase over time, we have your short-term borrowing needs covered.

A personal loan offers a low fixed rate and amounts up to $50,000.

Advantages of a personal loan

Features

  • Competitive fixed rates starting as low as 10.75% APR
  • Loans from $5,000 to $50,000
  • Convenient 12-month to 60-month loan terms1
  • No annual fee or collateral required
  • No penalty for paying off early

Benefits

  • Apply online in minutes
  • Receive an instant decision for loan requests of $10,000 or less
  • Next business day funding into your CPB deposit account
  • Free CPB digital banking to track your loan repayment and link all your financial accounts in one place
  • Connect your loan balance to your Exceptional Plan unlocking additional benefits and valuable discounts

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

Apply for a CPB Personal Loan Online

Application Tips:

  • Read and accept the E-Sign Disclosure before continuing with the online application process.
  • Review your information for accuracy before advancing through the application. For security purposes, the browser back button is disabled.

Required documents

  • Government issued ID such as a U.S. passport, state driver’s license, state ID or U.S. military ID.
  • Bank routing number and checking or savings account number.
  • For loan 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 loan 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 estimated 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.

CPB