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 $19,999
  • 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.

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.

Mālama Loan Links

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Mālama Loan: apply online now