Top Lenders & Best Picks for You

Best Personal Loans in Honolulu, HI

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Reviewed byAshley Jacobs
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Updated: December 28, 2023

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MoneyGeek's Picks for Best Personal Loan Lenders in Honolulu, HI

To determine the best Honolulu personal loan lenders, MoneyGeek analyzed over 30 data points. Our analysis considered interest rates, fees, affordability and accessibility, terms, minimum credit score, income requirements, disbursement time, customer service, BBB ratings and other factors to select the top picks.

We looked at several different categories when determining the top-rated lenders, including the best personal loan lender for borrowers with bad credit and good credit, as well as borrowers looking for debt consolidation and home improvement personal loans.

MoneyGeek’s analysis shows that different borrower profiles may benefit from using different lenders.

Best Overall Personal Loan Lender in Honolulu: Lightstream

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Best Personal Loan Lender for Bad Credit in Honolulu: Upstart

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Best Personal Loan Lender for Good Credit in Honolulu: SoFi

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Best Personal Loan Lender for Debt Consolidation in Honolulu: Upgrade

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Best Personal Loan Lender for Home Improvement in Honolulu: Best Egg

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What to Do if You Can’t Get a Personal Loan in Honolulu

Getting a personal loan is not always straightforward. Your loan application may be denied if your credit score is insufficient or you haven't had a consistent income for a long enough period of time. If your personal loan application is rejected, you can contact the lender by phone or email to find out why.

If necessary, you may apply for a loan from another lender, but you should wait until you have resolved the issue that caused your previous application to be declined. You may need to apply with many lenders and assess their features to find a suitable alternative lender.

A payday loan may seem appealing, but it is usually a bad idea. It has several disadvantages. For example, these loans feature high-interest rates and short repayment terms.

Frequently Asked Questions About Personal Loans in Honolulu

Your specific circumstances determine the best Honolulu personal loan company for you. Lenders consider factors such as your credit history, income, current debts and what you want to do with your loan. MoneyGeek answered the most frequently asked questions about Honolulu personal loans below to help you find the right option for your needs.

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Our Personal Loan Methodology

We assessed over 30 personal loan providers based on 35+ unique data points in six major categories. These included loan affordability, accessibility, consumer friendliness, customer service, flexibility and lender transparency, among others.

We analyzed many individual data points under each ranking criterion area that we believe hold the most weight when selecting a personal loan provider. These considerations include APR ranges, available loan amount, minimum credit score, minimum income amount, application costs and disbursement time.

We value you, the consumer, at MoneyGeek. As a result, we consider each lender's customer service, company ratings and other services that might make your experience easier and more accessible, like prequalification, payment alternatives and mobile applications.

Our selections are made after thorough consideration and calculation, with your best interests in mind. Our personal loan recommendations and professional advice are intended to help you make the best decision when choosing a lender that meets your needs.

sources
  • Best Egg. "Best Egg." Accessed June 15, 2022.
  • LightStream. "LightStream." Accessed June 15, 2022.
  • SoFi. "SoFi." Accessed June 15, 2022.
  • Upgrade. "Upgrade." Accessed June 15, 2022.
  • Upstart. "Upstart." Accessed June 15, 2022.

The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.