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Personal, Auto & Home Loans

Personal Loans

Life happens in a million different ways, and the right loan can be key in planning a bright future. We can help you plan for it with loans that cover every aspect of your life.

Life Events

Weddings, vacations, big purchases, unexpected happenings—we have loans that cover the predictable and unpredictable.

Or, refinance and consolidate credit cards, student loans and more into one monthly payment.

  • Borrow up to $30,000 for up to 7 years
  • Competitive low rates
  • Personalized terms to fit your life
  • Easy application process with local decision-making and processing
  • Make payments through direct deposit or payroll deduction
  • Life, Disability and Unemployment protection available
It's easy to apply. Simply click the "Apply Now" link below and you'll be taken to a loan application page. For questions, contact our Loan Department at 808-246-1277, email us at or stop by the nearest office to you.

Auto Loans

Shopping for a vehicle can be a hassle. That’s why we make financing your next car easy. New or used, we work with the dealers to finance your vehicle directly through us. We even offer auto loan add-ons like GAP insurance and extended warranties.
For loans exceeding $20,000, get terms of 6-years and 100% financing.

It's easy to apply. Simply click the "Apply Now" link below and you'll be taken to a loan application page. For questions, contact our Loan Department at 808-246-1277, email us at or stop by the nearest office to you.

On-Site Auto Financing

Through the Credit Union Direct Lending program, Gather can help you arrange stress-free auto financing for new and used vehicles at participating dealerships. No need to stop by a Gather branch.

Participating Dealerships: 

Home Loans

We take great pride in helping our members buy, and keep their homes. That’s why we offer a variety of mortgage options at very competitive rates. Whether you’re in the market for a first home, upgrading to a bigger one, or looking for a vacation home, we can help.


There are no one-size-fits all homes. The same goes for home loans. We offer a great selection of mortgages and interest rate options. First home, vacation home, refinance or second mortgage, we’re ready to find the right loan option that works for you.

  • Buy a first, second, or vacation home
  • First, second, and balloon mortgages available
  • Save by refinancing your current mortgage
  • Make payments through direct deposit or payroll deduction
  • Payment protection available
  • Local decision-making and experienced loan advisors
  • Personal service for the life of the loan
Gather FCU is a partner with the Hawaii HomeOwnership Center. If you are a First-Time Home Buyer and you are looking for help, here's a great place to start.

1259 Aala Street, #201
Honolulu, Hawaii 96817
PH: 808.523.9500

Homeowners Assistance Program

Receive up to $30,000 in grants available for Hawai'i Island and Kaua'i homeowners to pay past due mortgage or reduce monthly mortgage payments. Funding is limited to homeowners who reside on Hawai‘i Island and Kaua‘i who have loans with participating mortgage servicers ONLY.

4523 Ioane Road
Anahola, HI 96703
Phone: 808-784-3841

Home Equity Line of Credit

Use the equity in your home for renovations, big purchases, or even consolidating debt and get the most out of your home's value.

  • Available for both 1st and 2nd mortgages
  • Maximum buying power and flexibility
  • Borrow up to 90% of the value of your home (up to $450,000)
  • Loan advances via 24-hour Member Access line, online or mobile banking
  • Only pay interest on the amount you use
  • No points
  • No prepayment penalties
  • Potential tax benefits
  • Automatic funds transfer for easy monthly payments

Energy Efficient Loans

Upgrade your home’s efficiency with loans for solar or photovoltaic improvements. Save on utility bills and do your part to be kind to Kaua‘i and our planet.

Solar Water Heating

  • No-interest loan
  • Borrow up to $15,000
  • Term is 5 years
  • Qualifications apply

Photovoltaic Systems

  • Borrow up to $35,000
  • Terms up to 15 years

Student Loans

We’re proud to partner with Ascent, an award-winning student success company that gives students more opportunities to pay for college with or without a cosigner. Ascent offers free resources that set you (and your family) up for financial success to thrive in school and beyond.

Ascent offers flexible options to fit your needs

  • Apply in minutes and check your rate without impacting your credit score
  • Most flexible options - Start payments up to 9 months after graduation1
  • Save money – get a 0.25% - 1.00% autopay discount2
  • Earn a 1% Cash Back Reward upon graduation - an average of $360!3
  • Access personalized tips and tools designed to help you meet your academic and career goals with AscentUP4 

Ascent’s undergraduate and graduate student loans are funded by Bank of Lake Mills or DR Bank, each Member FDIC.
1For details on Ascent borrower benefits, visit
2Automatic Payment Discount of 0.25% available for Credit-Based Loans and Bootcamp Loans and an Automatic Payment Discount of 1.00% available for Undergraduate Outcomes-Based Loans. Learn more at
31% Cash Back Graduation Reward subject to terms and conditions. 1% Cash Back Reward amount dependent upon total loan amount for Ascent college loan borrowers; approximately $360 average reward amount based upon eligible borrowers who received Cash Back Rewards in 2022.
4To be eligible for coaching through AscentUP, the student borrower must be an undergraduate who has been approved for and completed an Ascent college loan application, and has agreed to the AscentUP terms of service. Ascent’s consumer loans for bootcamps and graduate student loans do not qualify for AscentUP coaching.

Credit Education

Why does credit matter? Why is it important, and what are the basics of building credit? We're here to answer your questions.

Gather offers educational opportunities on a wide variety of topics, including credit seminars and individual credit counseling. Equipped with the right knowledge, you can make the best decisions for your future.

Let us help you. Call our Loan Department at 808-246-1277 or schedule your appointment using our online scheduler.

Insurance Claims & Debt Protection

Protection when it matters… We are here to help!

In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim for any of the following Payment Protection Products:

  • Life
  • Terminal Illness
  • Accidental Dismemberment
  • Hospitalization
  • Family Medical Leave
  • Loss of Life of a Dependent
  • Disability
  • Involuntary Unemployment
To begin, please fill out a claim form  here

If you prefer, you may call (844) 707-4964 to begin the process and a CUNA Mutual Group Claims Specialist will guide you through the process.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Payment protection products include debt protection products available through the credit union and MEMBER'S CHOICE® credit life and credit disability insurance underwritten by CMFG Life Insurance Company.
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