Personal financing in Maui County.
County-by-county financing guides. No paperwork. No social. No ID.
7 institutions are headquartered inside the Maui County line, Kahului included, and 4 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingHome Financing
The doors in Maui County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- 11
- DOORS HERE
- 7
- BASED HERE
- 4
- HI COUNTIES WITH DOORS
- Lane
- Personal Financing
- People
- 165Kresidents of Maui County
- Covers
- Kahului
- Elsewhere in HI
- Honolulu County →26 doors — the biggest list of any other county in Hawaii
- State
- Hawaii →4 of 5 counties hold a door in this lane
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Molokai Community Credit UnionOwned by their members, not by shareholders. They look at your whole story rather than a score, and that is the difference when a bank says no.
Aloha Pacific Credit Union · Hawaii State Credit Union- Kahului Credit UnionMinority depositoryPersonal · Home
- Lanai Credit UnionMinority depositoryPersonal
- Maui Credit UnionMinority depositoryPersonal · Home
- Maui Teachers Credit UnionMinority depositoryPersonal · Home · Business capital
- Molokai Community Credit UnionCDFI-certifiedMinority depositoryPersonal · Home
- IN THIS LIST
1 of the 11 doors inside the county line are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Valley Isle Community Credit UnionMinority depositoryPersonal · Home · Business capital
- Wailuku Credit UnionMinority depositoryPersonal · Home
Based elsewhere, with a member-facing office inside the Maui County line. You can walk in.
- Aloha Pacific Credit UnionMinority depositoryPersonal · Home · Business capital
- Hawaii State Credit UnionMinority depositoryPersonal · Home · Business capital
- Hawaiian Financial Credit UnionMinority depositoryPersonal · Home · Business capital
- Hawaiiusa Credit UnionMinority depositoryPersonal · Home · Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
This guide helps solo contractors, small real-estate investors, and working families in Maui County understand their personal financing options — from small personal loans to lines of credit. It highlights the local lenders, credit unions, CDFIs, and community organizations that actually serve Maui residents, including those who use an ITIN instead of a Social Security Number. Federal programs are referenced for context, but the focus is on who you can walk into or call right here on Maui. Take your time, compare your options, and never feel pressured to sign anything you don't fully understand.
- 11
- DOORS HERE
- 41
- ACROSS HI
Based in Kaunakakai, Hawaii. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no. It is CDFI-certified, and it is a minority depository.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Honolulu, Hawaii. A member-owned credit union, which means the people deciding on your file answer to depositors in the same towns you work in. It is a minority depository.
BEST FORBuying, repairing or refinancing a home, and working capital, equipment and payroll for a small business.Based in Honolulu, Hawaii. A credit union: no shareholders to satisfy, and a habit of reading a whole story rather than a single score. It is a minority depository.
BEST FORWorking capital, equipment and payroll for a small business, and a personal loan, or building a credit file from nothing.Based in Honolulu, Hawaii. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no. It is a minority depository.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Everything below is set by Hawaii, and it reads the same in every county in it. The 11 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
None of this is set by a lender. Hawaii sets it, and it applies the same in every county in the state — which is why it is worth knowing before you knock on any of the doors above.
- STATE INCOME TAX1.4% – 11.0%
What the state takes off what you earn, before anyone works out what payment you can carry.
- SALES TAX4.0% GET · 0.5% avg local
What you pay on top of every purchase. On a small loan for a repair or a tool, this is a real part of the total.
- MEDIAN HOUSEHOLD INCOME$95K
Half the households in the state earn less than this. A lot of the programs above use that number to decide who qualifies.
- COST OF LIVING186.9
National index, where 100 is the country's average. Under 100 means your money goes further here.
Sources: Tax Foundation 2025 · Census ACS 5-year 2023 · BEA/MERIC COLI 2024 · Zillow 2026-Q1. As of 2026-04.
The short version.
- 01
11 doors sit inside the Maui County line. They are up the page, by name and by town — and none of them paid to be there.
- 02
1 of them are certified by the U.S. Treasury as CDFIs. Lending where a bank will not is their mandate, not a favour.
- 03
This page did not ask you for a name, an email, or a number, and nothing on it changes based on who you are.
- 04
4 of Hawaii's 5 counties hold a door in this lane. If Maui County does not have the one you need, the whole state is one click away.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN MAUI COUNTY →
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN MAUI COUNTY →4HI COUNTIES WITH DOORSThe whole stateEvery county in Hawaii, in this same lane.41 institutions fund personal borrowing inside Hawaii county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.