Click on the video to see how a Mālama Loan from OHA can help you pay for college, make home repairs, and start or expand your business.

Mālama Loan (NHRLF)

The Mālama Loan Program (NHRLF) is designed to help provide all people of Native Hawaiian ancestry better access to credit, capital, and financial services & skills as part of a larger effort to create jobs, wealth, and economic & social well-being for all the people of Hawai‘i. Debt Consolidation loans are unavailable until further notice.  Please visit this website for periodic updates.

OHA Mālama Loan Features:

  • Loan amounts from $2,500 to $20,000
  • Annual Percentage Rate (APR) ranging from 4.00% to 6.25%; fixed
  • Up to a 7 year loan term

Most applications are processed the same day as they are received. Once an application has been approved, documents can be signed and funds can be disbursed usually within five to eight business days.

For our neighbor island applicants, OHA’s neighbor island staff is fully trained on loan closing and fund disbursement procedures, and will be able to assist you with your loan closing.

Mālama Loan transition Frequently Asked Questions (Updated 011416)

Q:  What is this letter regarding Transfer from First Hawaiian Bank?
A:  The letter is to inform Malama Loan customers that FHB will no longer be servicing their OHA Malama Loan and that OHA will be administering loan services solely.

Q:  Will anything change on my loan now that it’s transferred to OHA?
A:  The only thing that will change is your loan number.

Q:  Do we continue to make payments to First Hawaiian Bank?  Where should we send our payments as As of January 1,2016?
A:  As of January 1, 2016, you will no longer send payments to First Hawaiian Bank.  Payments should be Made payable to “The Office of Hawaiian Affairs” and sent to:

    OHA Malama Loan Fund
    P.O. Box 30960
    Honolulu, HI  96820-0960

Q:  If my loan payments are being automatically paid from my checking account, do I have to cancel my Automatic payments to First Hawaiian Bank and re-set up a new automatic payment to be paid to OHA?
A:  Yes, you need to cancel your ACH payment to First Hawaiian Bank and you will need to fill out a new AHC (automatic payment withdrawal) form with OHA.

Q:  What is required when sending in the ACH (automatic payment withdrawal) form?
A:  A voided check must be submitted with your form.

Q:  When are ACH forms due to OHA?
A:  The sooner you send in your form, the sooner your account can be set up.  ACH payments can take Up to 30 days from the date received before the first draft is drawn.

Q:  Where do we send our ACH forms to?
A:  You can send your completed form and your voided check to:

OHA Malama Loan Program
560 N. Nimitz Hwy. Box #6
Honolulu, HI  96817

Q:  Can we use our old coupons from the coupon book through First Hawaiian Bank and send it in to OHA?
A:  No, as of January 1, 2016, you can no longer use your coupons from First Hawaiian Bank to send in with payment.  You will have to request a new coupon book from OHA.  To request a new coupon book, please send an email to:  Please include in the email your name and address with a brief note requesting a coupon book.

Q:  When will coupon books be sent to customers?
A:  Coupon books will be sent in February.  If books are not received by your February payment, continue to send payment to the address below.

    OHA Malama Loan Fund
    P.O. Box 30960
    Honolulu, HI  96820-0960

Q:  If we receive our coupon book after our monthly payment date, will we be assessed a late charge?
A:  MONTHLY PAYMENTS ARE STILL REQUIRED to be made, and are due on your due date, however, no No late fees will be assessed for January and February 2016 payments only.

Q:  What does OHA require to be placed on checks and/or money orders being sent in for payment?
A:  OHA requires your loan number to be placed on the check memo line to identify your loan.

Q:  Can we make cash payments?
A:  Cash payments for the exact amount will only be accepted at our OHA main office reception located at:  560 N. Nimitz Hwy, Suite 200



Frequently Asked Questions

Q: How can I use OHA’s Mālama Loan?
A: OHA’s Mālama Loan may be used for:

  • Business startup or expansion
  • Home improvement project
  • Education

Q: How am I eligible for OHA’s Mālama Loan?
A: To be eligible, you must be a:

  • U.S. Citizen
  • State of Hawai‘i Resident
  • Native Hawaiian (verified through Birth Certificate, OHA Hawaiian Registry Card, Kamehameha Schools verification
    letter or verification letter from the Department of Hawaiian Homelands).

Q: How do I qualify for an OHA Mālama Loan
A: In order to qualify, you must meet the following Requirements:

  • Business must be 100% Native Hawaiian owned
  • Have a Debt to Income Ratio (DIR) of 45% or lower
  • Technical Assistance may be required

Q: What documents do I need to submit with my application?
A: The following documents need to be submitted with your application:

  • Proof of Native Hawaiian Ancestry
  • State of Hawai‘i Driver’s License or State of Hawai‘i Identification Card
  • One month of current consecutive paystubs, two years of W2’s for all current employment, and two years most recent Federal Tax returns if applying over $10,000
  • Verification and breakdown of use of funds
  • Completed loan interview worksheet
  • Business loans require most recent two years tax returns. If business is in operations for less than two years, but more than 1 year, then most recent business tax return and current profit and loss statement must be submitted
  • A Business plan is required for any startup business loans

Q: Where can I apply for an OHA Mālama Loan?*
A: You can apply by Mail, on-line, or in person at any one of our office locations.

Native Hawaiian Revolving Loan Fund
OHA Malama Loan Program
560 N. Nimitz Hwy. Box #6
Honolulu, HI 96817


NOTE: The online loan application process is quick and easy, simply register with an e-mail address and you are on your way. The process will typically take 20-25 minutes, and you’ll have the ability to upload required documents. Once you complete the application, a lending associate will contact you within two business days. We appreciate the fact you have chosen OHA for your loan needs, and we will make every effort to give you a loan decision as quickly as possible.

In person:
OHA Office Locations

*After Aug. 31, 2015 loan applications will no longer be accepted at First Hawaiian Bank. Applications for Mālama Loans now being accepted online at beginning Sept. 1, 2015.

For more information, please contact (808) 594-1888, email, or contact your OHA neighbor island office.


Native Hawaiian revolving loan partners

Small Business Administration:
The U.S. Small Business Administration (SBA) was created in 1953 as an independent agency of the federal government to aid, counsel, assist and protect the interests of small business concerns, to preserve free competitive enterprise and to maintain and strengthen the overall economy of our nation. We recognize that small business is critical to our economic recovery and strength, to building America’s future, and to helping the United States compete in today’s global marketplace. Although SBA has grown and evolved in the years since it was established in 1953, the bottom line mission remains the same. The SBA helps Americans start, build and grow businesses. Through an extensive network of field offices and partnerships with public and private organizations, SBA delivers its services to people throughout the United States, Puerto Rico, the U. S. Virgin Islands and Guam.

Small Business Development Center:
Established in 1990, the Hawaiʻi Small Business Center Network is a state-wide business assistance organization. Our confidential business advisory services are provided at no cost to our clients. As a program of the University of Hawaiʻi at Hilo funded in part through a cooperative agreement with the U.S. Small Business Administration, we work one-on-one with businesses to improve their access to capital, improve their financial and operational performance, and to export Hawaiiʻi-made products to overseas markets.

Hi‘ilei Aloha LLC:
Hi‘ilei Aloha LLC holds an 8-week Entrepreneurship Training course several times a year.  In the course, students learn how to kick start a business, write and present a business plan, price a product to make money, manage finances, and conduct successful marketing.  Students can receive assistance in setting up a website and marketing their products at farmers’ markets and “new product” shows.  After this 8-week course, students have a solid foundation in starting a new business or growing an existing business.  To register for this course, go to our website at


Mālama Loan Links

Research: Mālama Loan Impact In the Community




OHA statement on Papahānaumokuākea


Statement on OHA Chairperson’s health status


Kalaniʻōpuʻu inspires our movement forward


He Waʻa He Moku, He Moku He Waʻa


2016 OHA Salary Commission Final Report