Leaving Website Disclosure

This link will redirect you to a site that may have certain associated risks, including not being insured by federal deposit insurance.

To remain at our site, click BACK. To leave our site for the link you selected, click PROCEED.

Personal Loans

Personal Loans


Personal Loans with a Low Fixed Rate

Personal loans provide you with a lump sum of cash at a low fixed rate to help you consolidate high-interest debt3 or pay for a big purchase over time.

Received a pre-approval offer in the mail? Learn how to redeem it here.

Why get a personal loan with CPB?

Estimated Monthly Payments4
For a typical loan with a 36-month term, the estimated minimum monthly payment would be:

$327.34

per month
per $10,000 borrowed
at 10.99% APR4.

to

$392.33

per month
per $10,000 borrowed at
24.00% APR4.

Minimum monthly payment varies based upon the loan term and Annual Percentage Rate (APR).

 

✓ Apply online in minutes

✓ Low Fixed Rates

✓ Exceptional service from Hawaii's finest bank

✓ Next business day funding

About Personal Loans

  • Competitive fixed rates from 10.99% to 24.00% APR
  • Loans from $5,000 to $50,000
  • Convenient 24-month to 60-month loan terms
  • No annual fee or collateral required
  • No penalty for paying off early
  • A $50 Origination Fee (Closing Cost) will be financed as a part of your total loan amount.5

In-Branch Application 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. When you apply, we check your credit report. If you take out a loan, repayment information may be reported to the credit bureaus. For online and in-branch applications, we pull a (hard) credit inquiry that will impact your credit score.

  2. Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. We may ask for income verification documents. The maximum loan amount is $50,000.

  3. Consolidating high-interest debt may not reduce or pay off your debt sooner in all cases. If the monthly payment on your CPB personal loan is lower than the high interest debt, it may be due to a lower interest rate on your loan, a longer loan period or a combination of both. CPB Personal Loans can be used to consolidate credit cards only at eligible U.S. banks
  4. Minimum monthly payments 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:

    • $327.34 per $10,000 borrowed at 10.99% APR.

    • $392.33 per $10,000 borrowed at 24.00% APR.

    Interest rate is based on individual’s credit report. Subject to credit approval

  5. $50 Origination Fee (Closing Costs) will not be charged on declined applications.
t