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).

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)