There are several options to make a payment to your loan:

• Enroll for FHB Online & Mobile Banking and use Make an FHB Payment option from a First Hawaiian Bank account, or use External Transfers to make a payment from an external bank account.
• Mail in your payment to:
  First Hawaiian Bank
  P.O. Box 29450
  Honolulu, Hi 96820-1850
• Visit any First Hawaiian Bank branch to make your payment
• Wire transfer funds to make your payment

Please contact us at [[(808) 943-4525 | tel:808-943-4525]] to request a payoff quote.

A personal loan is an installment loan product with a fixed term. When your application is approved, the full loan amount you are approved for is disbursed to you at once, and you begin accruing interest on the outstanding amount immediately from that day. Because FHB's personal loans all offer fixed rates over the life of the loan, your monthly payments are the same throughout the loan term.  

In contrast, a Personal FirstLine (PFL) is a revolving line that can be drawn on at any time up to your available credit limit. You can draw on your PFL by making a transfer within FHB Online, writing a check, or by requesting a withdrawal in person at an FHB branch. As you repay the outstanding principal (the amount you have drawn from your line), your available credit will increase by the amount you have repaid. Consequently, your monthly payment will vary if your outstanding balance and/or the rate changes.

You may apply online or by visiting any FHB branch.  

You will need documents and information to apply:  

• Social Security Number
• Income verification documents (only for loan amounts over $5,000): 
  • All pay stubs from most recent calendar month, OR
  • W-2 or 1099 Forms from the past 2 years, OR
  • Last 2 federal personal income tax returns with all schedules signed

After submitting your application, FHB may follow up to verify your information

It is a line of credit secured by your home or other improved property you own. Depending on the equity in the property, and other factors, your credit line can range from $20,000 to $1,500,000.

A Home Equity Line of Credit has a Draw Period and a Repayment Period. During the draw period you can draw on your line of credit by writing a check or advancing the funds through FHB Online. Besides an annual fee, there are no monthly payments until you draw on your line and you can even make interest-only payments during the Draw Period. As you pay down the balance on your line of credit, it becomes available to use again.

During the Repayment Period, you can no longer draw on your line of credit and must repay any outstanding balances. Outstanding balances can be converted to fully-amortized, fixed-rate locks during both the Draw Period and Repayment Period.

There is a $100 annual fee assessed one year after the Draw Period begins and $100 each year thereafter. The annual fee is waived if you have a Priority Banking Platinum Checking Account. The annual fee will not be charged during the Repayment Period.

First Hawaiian Bank offers a home equity line of credit on many types of property, including:

• Fee simple or leasehold properties
• Owner-occupied homes (primary residence)
• Non-owner-occupied (rental or investment) homes
• Second/vacation homes
• Single family residences
• Leaseholds (owner-occupied only)
• Duplex, triplex, fourplex

You must have property insurance on the property you use for collateral. Only available for properties located in Hawaii and Guam.

Once you’ve opened your Home Equity Line of Credit, you’ll receive checks that look and work much like any regular personal checks. To draw on your line of credit, just write a check for the amount you need. You can also draw on your line using FHB Online. Even if you don’t need the funds now, it’s nice to know your Home Equity Line of Credit will be there when you need it.

Use it for home improvements, tuition payments, bill consolidation, buy a new car, or go on vacation. It's easy and convenient to pay for almost anything.

Use it for home improvements, tuition payments, bill consolidation, buy a new car, or go on vacation. It's easy and convenient to pay for almost anything.

Consumer Home Equity Loans cannot be used to purchase the subject property.

While the Consumer Home Equity Loan and Home Equity Line of Credit (HELOC) are both secured by your real property, they have some differences. The Consumer Home Equity Loan is an installment loan with a fixed loan amount, interest rate and term, resulting in a fixed monthly payment. A HELOC is a line of credit that can be drawn on at any time during the Draw Period, up to your credit limit. In contract to the Consumer Home Equity Loan, the HELOC has a variable rate, meaning your monthly payments may vary. Under a HELOC, you also have the option to convert variable-rate balances to fixed-rate balances.