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A couple meeting with a Gather representative in office

Personal Loans & Credit



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.

Personal Loans

Consolidate Debt

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

Life Events

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

On-Site Auto Financing

As a member of the Credit Union Direct Lending program, Gather can help you arrange auto financing 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

Home Equity Line of Credit

Use the equity in your home for renovations, big purchases, or even consolidating debt. Get the most out of your home’s value with interest-only or principal- and-interest lines of credit.
  • 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, ebranch 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
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