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Bank of Hawaii Personal Loan Calculator & Overview

Carla Soto
Carla Soto
Updated 19 Aug 2023
Fact checked

Bank of Hawaii logo

The Bank of Hawaii was established in 1897. BOH has the biggest share of FDIC-insured deposits of any financial institution in Hawaii. Moreover, it is ranked third among the most trusted banks in the United States.

Is a Bank of Hawaii personal loan within your capacity to pay? Use the Bank of Hawaii personal loan calculator to input your desired loan amount. Find the best deal within your budget.

Personal loans have an annual percentage rate (APR) varying from around 3% to 36% APR. The interest rates you can receive will depend on a range of factors, such as your credit score, income, and debt-to-income ratio. On a loan of $10,000 over 5 years, the cost could vary between $10,781 and $21,680. The interest cost is between $781 and $11,680.

Bank of Hawaii personal loans in a nutshell

The Bank of Hawaii lets you pick between a secured loan and an unsecured personal loan. Whichever you choose, BOH personal loans have reasonable rates and flexible amortization schedules. Moreover, you can talk directly to a loan professional or proceed with an online application.

Features of a Bank of Hawaii loan

This is what you need to know about a Bank of Hawaii loan:

  • Loan amounts: $1,500 to $20,000
  • Loan terms: Between 12 months and 60 months
  • Loan options. Choose between secured or unsecured loan
  • Repayment frequency: Monthly
  • Interest rates: 5% APR for secured loans; 7% – 12% APR for unsecured loans

Requirements for a personal loan at Bank of Hawaii

To apply for a BOH secured personal loan, you must:

  • Be at least 18 years old
  • Apply in person
  • Provide valid state or government ID and Social Security number (or tax identification number)
  • Submit savings account or CD (certificate of deposit) account number
  • Pay origination fee of $50 (deductible from loan proceeds)

To apply for a BOH unsecured personal loan, you must:

  • Be at least 18 years old
  • Apply in person (for residents of Saipan and Palau only)
  • Apply online or in person (for residents of Hawaii and Guam only)
  • Provide Social Security number (or tax identification number)
  • Provide email address
  • Submit IRS Form W-2 (employees) or IRS Form 1040 (federal income tax return)
  • Submit current pay stubs for the most recent 30-day period
  • Pay origination fee of $50 (deductible from loan proceeds)

 

Bank of Hawaii personal loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
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Loan Amount

$20,000

Term

3 months

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Bank of Hawaii

Bank of Hawaii personal loans

Bank of Hawaii personal loans
Estimated Month Repayments
$618 Inclusive of fees
Interest Rate
7.00%
APR
Repayment Period
24 months
to 60 months
Loan Amounts
$1,500
to $20,000
Go to site
An unsecured personal loan puts you in control of a fixed loan amount and keeps you focused on what you need - not how to get it.
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Wells Fargo

Wells Fargo personal loans

Estimated Month Repayments
$606 Inclusive of fees
Interest Rate
5.74%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$3,000
to $10,000
Go to site
Checking and savings accounts and credit cards for your everyday business expenses and cash management.
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Eastman Credit Union

Eastman Credit Union personal loans (Shared Secured Personal Loan)

Estimated Month Repayments
$848 Inclusive of fees
Interest Rate
29.90%
APR
Repayment Period
12 months
to 12 months
Loan Amounts
$1,000
to $20,000
Go to site
ECU offers extraordinary products & services that make life just a little easier.

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

Frequently asked questions

What types of personal loans does Bank of Hawaii offer?

The Bank of Hawaii offers both secured and unsecured loans. You can use it for debt consolidation, home improvement, a vacation, or emergency expenses.

How do I qualify for a personal loan at Bank of Hawaii?

First, fill in the application form. Second, submit all the required documents. Third, undergo a credit check. The higher your credit score, the more likely you will be approved for the loan.

What is the benefit of choosing a BOH secured personal loan?

A BOH secured personal loan gives you quicker access to the funds you need. Moreover, you can enjoy lower interest rates because you have collateral in place.

What is the benefit of choosing a BOH unsecured personal loan?

A BOH unsecured personal loan lets you borrow money without collateral. You’re in control of the loan amount while spending the money on whatever you like.

Does BOH disclose credit scores on their website?

BOH does not clearly disclose credit scores on their website. However, you can obtain a copy of your credit report from Experian, TransUnion, or Equifax.

What is the impact of a BOH personal loan application on my credit score?

When you apply for a BOH personal loan, a hard inquiry will be recorded on your credit report for two years. As a result, your FICO credit score might be temporarily reduced by less than five points.

Will BOH charge me any fees for my loan?

Yes. BOH charges a fixed amount from your loan proceeds. A $50 origination fee will be deducted before you receive the funds.

Video: Why choose Bank of Hawaii as your lender

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Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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