What is the difference between a loan and a line of credit?

A line of credit is similar to a credit card in that it is a flexible borrowing solution. You can draw on this revolving loan simply by writing a check.  You are also able to borrow any part of your credit line again once you have repaid it. There are no payments until you use your line.  For more information, browse our options on loans and lines of credit.

With a personal loan, you receive the whole loan when you're approved and you start paying interest immediately on the full amount. You have a fixed schedule of payments that will reduce until the loan is paid off. For more information, browse our options on loans and lines of credit.

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First Hawaiian Bank
PO Box 3200
Honolulu, HI 96847