OHA Mālama Consumer Loans (Education and Home Improvement)
OHA Mālama Consumer Loan Application
OHA Mālama Business Loans
OHA Mālama Business Loan Application
Programs > Malama Loans
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Malama Loans
The Office of Hawaiian Affairs (OHA), the loan Administrator of the Native Hawaiian Revolving Loan Fund (NHRLF), partners with First Hawaiian Bank as a strategic lending partner to originate and service the OHA Mālama Loan program to Native Hawaiian consumers and businesses. The Native Hawaiian Revolving Loan Fund Board of Directors retain loan approval author.
Aloha Mai
The Office of Hawaiian Affairs (OHA), the loan Administrator of the Native Hawaiian Revolving Loan Fund (NHRLF), partners with First Hawaiian Bank as a strategic lending partner to originate and service the OHA Mālama Loan program to Native Hawaiian consumers and businesses. The Native Hawaiian Revolving Loan Fund Board of Directors retain loan approval authority.
View our 60 second Mälama Loan spot below
FAQs
What is the mission of OHA's Mälama Loan?
To enhance access for all persons of Native Hawaiian ancestry to credit, capital, and financial services & skills so as to create jobs, wealth, and economic & social well-being for all the people of Hawai‘i
How can I use OHA's Mälama Loan?
OHA's Mälama Loan may be used for business startup or expansion, a home improvement project, education or debt consolidation.
What does OHA's Mälama Loan feature?
OHA's Mälama Loan features a 4% APR, fixed interest rate, amortized over a 7 year term (principal and interest); up to $150,000.
How do I know if I am eligible for OHA's Mälama Loan?
To apply for OHA's Mälama Loan program, you MUST be a:U.S. Citizen
Hawai‘i Resident
Native Hawaiian (verified by Birth Certificate, OHA Hawaiian Registry Card, or Kamehameha Schools verification letter).
Hawai‘i Resident
Native Hawaiian (verified by Birth Certificate, OHA Hawaiian Registry Card, or Kamehameha Schools verification letter).
What are some Key Factors of the OHA's Mälama Loan?
Credit score of 600 and Debt to Income Ratio (DIR) of 45% or lower
Loan Request $10,000 and over, 2 years of personal/business tax returns are required
Loan Request $25,000 and over, Hawaii real estate collateral is required
Debt Consolidation up to $25,000
Where can I get an Application?
Any branch of First Hawaiian Bank
Online at www.fhb.com/loans-bus-oha.htm (Business Loans)
Online at www.fhb.com/loans-oha.htm (Consumer)
Malia Sanchez had all the tools to make people feel and look great. When she envisioned teaching this to others, OHA's Mālama Loan program was there to help Malia build the foundation for her academy. Learn More
