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Personal Loans

Personal Loans

Small projects make a big difference.

Loans from $5,000 to $50,000.1, 2


APPLY NOW



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.

Why get a personal loan with CPB?

✓ Apply online in minutes

✓ Low Fixed Rates

✓ Exceptional service from Hawaii's finest bank

✓ Next business day funding

Estimated Monthly Payments4

For a typical loan with a 60-month term, the estimated minimum monthly payment would be:

$217.37

per month
per $10,000 borrowed
at 11.21% APR4.

to

$264.88

per month
per $10,000 borrowed at
20.23% APR4.

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

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

Apply Online for a CPB Personal Loan

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

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.

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

Required Documents

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 (most recent paystubs) showing at least one month; 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 (most recent paystubs) showing at least one month AND copies of your Federal Income Tax Returns (last two years).

The bank may request income verification documents for any loan amount depending on your aggregate loan request with the bank.

Additional 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.

Loan Closing

If your loan application is approved, please be ready to provide the following at the time of your loan closing:

  • One (1) personal reference per applicant, to include: Name, Address, Contact Number and Relationship.
  • A valid form of identification.

VIEW MORE RESOURCES

  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 36-month term, the estimated minimum monthly payment would be:

    • $217.37 per $10,000 borrowed at 11.21% APR.

    • $264.88 per $10,000 borrowed at 20.23% 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.