Mālama Loan > Home

Mission: 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

Interest Rate



6.25% fixed

7 years

See maximum loan amounts below


Eligible Loan Purposes

  • Business – Startup or Expansion, maximum $19,999
  • Home improvement, maximum $19,999
  • Education, maximum $19,999 (tuition for college, private school, day care)
  • Debt Consolidation, maximum $19,999 (limited funds)


  • U.S. Citizen
  • Hawaii Resident
  • Native Hawaiian (verified by birth certificate, OHA Hawaiian registry card, Ho’oulu database letter or letter verifying eligibility for Department of Hawaiian Home Lands

Key Factors

  • Business must be 100 percent Native Hawaiian owned
  • Credit score of 600 and Debt to Income Ratio (DIR) of 45% or lower, 650 or higher credit score for debt consolidation
  • Loan Request $10,000 and over, most recent personal/business tax return, and/or current pay stub, and/or W-2
  • Minimum loan amount $2,500
  • Technical assistance may be required of approved loans
  • Verification and breakdown of the use of funds is a requirement
  • Draft business plan is required for startup business loans

To apply, go to any First Hawaiian Bank branch or click on the links below for business and consumer loans.

First Hawaiian Bank is proud to be the strategic lending partner for OHA’s Malama Line of Credit, offering up to $19,999 for business, home improvement, and educational purposes for eligible Native Hawaiian applicants. This OHA Malama Loan Program offers much-needed capital and credit to Native Hawaiians, creating economic opportunities in communities throughout Hawaii.

Founded in 1858, First Hawaiian Bank is Hawaii’s oldest and largest bank in the islands. Charles Reed Bishop, the husband of Hawaiian Princess Pauahi Bishop, established the bank to provide a safe and secure place for the people of Hawaii to deposit their hard-earned money. In fact, many of the descendants of those who began banking with Mr. Bishop in 1858, continue to bank with us today.

For over 155 years, First Hawaiian Bank continues this tradition of helping individuals, families and businesses achieve their financial goals. At First Hawaiian we follow a simple relationship strategy, building customer loyalty by taking care of all of their financial needs in one place. So when you choose to bank with First Hawaiian Bank, you know you have selected a solid, secure, full-service financial institution with 58 convenient branch locations to serve you throughout the state. Our mobile and online banking services and 24-Hour ATMs make it even easier for our customers to access 24/7 their accounts.

We’re also a bank that believes in giving back to the communities it serves. The First Hawaiian Bank Foundation donates several million each year to non-profit organizations that enrich education opportunities for our youth, improve the lives of others, build healthier communities and invigorate our diverse cultural life.

First Hawaiian is ready to help you with your financial goals at every stage of your life. We invite you to visit us at fhb.com or stop by at any First Hawaiian Bank branch.


For more information please call Robert Crowell at (808)594-1924 or email him at robertc@oha.org



Keola Rapozo created a hat and T-shirt store after receiving the Mālama Loan from the Office of Hawaiian Affairs.



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.



Gary Hironaka, small Hawaiʻi businessman, talks about his care home business developed with a Mālama Loan.