Personal Loans and Lines of Credit

Personal Loans and Lines of Credit

Application Form


We currently accept online applications from residents of Hawaii, Guam, and the Commonwealth of the Northern Mariana Islands. Applicants who are interested in applying for secured loans, including auto loans; intend to apply for joint credit, i.e. with more than one borrower on an application; who are requesting a credit limit increase for an existing Personal FirstLine account; or are interested in discussing Debt Cancellation Plan options[[#1]] should visit a branch.

Please note that in order to comply with Section 3513 of the Guam Uniform Consumer Credit Code, Guam residents’ loans under $11,551 cannot exceed a term of 35 months.

Required fields are noted by an asterisk (*).

1. This application is for

2. Tell us about yourself

First Name   M.I. (optional)    Last Name   Suffix (if applicable)

Are you a U.S. Citizen?
Are you a Permanent Resident Alien?

(Physical street address is required - no P.O Box)

Do you own or rent your home?

3. Your financial information

If you are retired, provide the name of the employer from which you retired and the last position you held.
How long in this line of work?



Time at current position (Last position if retired)



IMPORTANT: Alimony, child support, and/or maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation. Your stated income may include child support payments, social security benefits, disability retirement payments, workers’ compensation benefits, and certain types of public assistance programs.
Do you have any non-taxable or other sources of monthly income?

Your name and address will appear on your account as shown in the section headed “Tell us about yourself.”  Please make any corrections on this application if any are needed.

By clicking on the “Submit” button below, the person named in the application (hereinafter, “you” or “your”) hereby certifies, authorizes, acknowledges, and/or agrees to the following:

  1. You warrant to us that the information you are submitting is true and correct. 
  2. You authorize us to verify the information you submitted and give us permission to obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report.  
  3. You certify that you are 18 years of age or older.  
  4. You are a resident of Hawaii, Guam, or the Commonwealth of the Northern Mariana Islands.
  5. You understand that we may ask you to supply us with additional information and that we will retain this application whether or not it is approved. 
  6. You authorize the Bank to check your credit by any means, including by obtaining consumer reports to check your employment history and to answer questions about your credit experience.
  7. In addition to the loan or line of credit requested in this application, You authorize us to review this application and your consumer reports to determine if you qualify for other credit products we offer.   


IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.


    1. Debt Cancellation Disclosure: Your purchase of a First Hawaiian Bank Debt Cancellation Plan (the “Plan”) is optional and whether or not you purchase the Plan will have no effect on your application for credit, the terms of your loan, or any other credit arrangement you have with us.  If approved, you will receive a copy of the Plan contract that will contain additional information about the Plan before you are required to start paying for the Plan. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under the Plan. You should carefully read the Plan contract for a full explanation of the Plan terms.

    PPP Loan Forgiveness Form

    PPP Loan Forgiveness Form

    Request to Apply for Forgiveness of PPP Loan

    Please complete the form below to let us know that you are ready to apply for forgiveness of your Paycheck Protection Program (PPP) loan.  

    Tip: Your SBA Loan Number and the Loan Amount may be found at the top of the first page of the Note for your PPP loan.  


    • Only use this form if your PPP loan is more than $150,000 and you received it in 2020.  
    • If your PPP loan is $150,000 or less, click here for information about your forgiveness process.  
    • If your PPP loan is more than $150,000 but you received it in 2021, please wait until we open the portal to loans made in 2021.

    * Indicates a required field.

    Need to change the contact email?

    PPP Loan Forgiveness

    PPP Loan Forgiveness

    SBA Form 3508S

    Thank you for your being a customer of First Hawaiian Bank and for partnering with us on your PPP loan.

    Please complete the fields below to apply for forgiveness

    Instructions and Important Information

    1. Only 1st draw PPP loan forgiveness applications will be accepted at this time
    2. The person who initials and signs this form must be an Authorized Representative of the Borrower.  An Authorized Representative is someone who has authority to take action on behalf of and to legally bind the Borrower.
      Type of Borrower Examples of Authorized Representative
      • Corporation
      • Nonprofit
      • President
      • Vice-President
      • Secretary
      • Treasurer
      • CEO
      • COO
      • CFO
      • Executive Director (only for nonprofits)
      • Member Manager (for a member-managed LLC)
      • Manager (for a manager-managed LLC)
      • Partner
      • General Partner
      • Limited Partner
      • Sole Proprietor
      • Independent Contractor
      • Self-Employed Individual

      The borrower must be the Authorized Representative. Select "Owner" as the Authorized Representative's title.

    3. In an effort to streamline the forgiveness process, we are only collecting key fields from the 3508S (the SBA’s forgiveness form for PPP loans of $150,000 and less) to pair with information that we have on file from your PPP loan application. If the information provided passes our review, we will prepare the 3508S and submit your forgiveness application to the SBA using the Authorized Representative’s electronic signature and initials provided below. We will only reach out to you if we have any additional questions or concerns.
    4. You will have the opportunity below to indicate if you want to change any of the information that we have on file and will use to prepare the 3508S.

    Forgiveness Information

    Enter the TIN of the Borrower applying for loan forgiveness.  Enter the same TIN that the Borrower used when it applied for its PPP loan.

    This should be equal to your original PPP loan amount IF you would like to apply for 100% forgiveness

    Must be at least 60% of Requested Loan Forgiveness Amount. See FHB FAQs for more details


    The Authorized Representative of the Borrower certifies to all of the below by initialing after each one.

              The Borrower has complied with all requirements in the Paycheck Protection Program Rules (Sections 7(a)(36), 7(a)(37), and 7A of the Small Business Act, the PPP interim final rules, and guidance issued by SBA through the date of this application), including the rules related to:

    • eligible uses of PPP loan proceeds;
    • the amount of PPP loan proceeds that must be used for payroll costs;
    • the calculation and documentation of the Borrower’s revenue reduction (if applicable); and
    • the calculation of the Borrower’s Requested Loan Forgiveness Amount.

              Information regarding these requirements can be found in the Form 3508S Instructions (Click Here) and the Paycheck Protection Program Rules.

               The information provided in this application is true and correct in all material respects. I understand that knowingly making a false statement to obtain forgiveness of an SBA-guaranteed loan is punishable under the law, including 18 U.S.C. 1001 and 3571 by imprisonment of not more than five years and/or a fine of up to $250,000; under 15 U.S.C. 645 by imprisonment of not more than two years and/or a fine of not more than $5,000; and, if submitted to a Federally insured institution, under 18 U.S.C. 1014 by imprisonment of not more than thirty years and/or a fine of not more than $1,000,000.

               I understand that the Borrower’s eligibility for loan forgiveness will be evaluated in accordance with the Paycheck Protection Program (“PPP”) regulations and guidance issued by SBA through the date of this application. SBA may direct a lender to disapprove the Borrower’s loan forgiveness application if SBA determines that the Borrower was ineligible for the PPP loan.

               I understand that First Hawaiian Bank’s (the “Bank”) decision on the Borrower’s forgiveness application is subject to review by the SBA. The SBA has the right to change the Bank’s decision, which could include reducing the amount of forgiveness that the Borrower receives.

               I understand that if the PPP loan is not forgiven in full, the Borrower will need to begin making payments of principal and interest under the PPP loan after the SBA remits the loan forgiveness amount to the Bank (or notifies the Bank that no loan forgiveness is allowed). The Bank will notify the Borrower when the first payment is due. If the Borrower did not apply for forgiveness before the end of the deferment period, then the Borrower must begin making payments of principal and interest under the PPP loan at the end of the deferment period. The deferment period ends 24 weeks and 10 months after the date when the PPP loan was funded.

    Optional PPP Borrower Demographic Information

    Disclosure is voluntary and will have no bearing on the loan forgiveness decision


    1. Purpose. Veteran/gender/race/ethnicity data is collected for program reporting purposes only.
    2. Description. This form requests information about each of the Borrower's Principals.
    3. Definition of Principal. The term "Principal" means:
        - For a self-employed individual, independent contractor, or a sole proprietor, the self-employed individual, independent contractor, or sole proprietor.
        - For a partnership, all general partners and all limited partners owning 20% or more of the equity of the Borrower, or any partner that is involved in the management of the Borrower's business.
        - For a corporation, all owners of 20% or more of the Borrower, and each officer and director.
        - Any individual hired by the Borrower to manage the day-to-day operations of the Borrower ("key employee").
        - Any trustor (if the Borrower is owned by a trust).
        - For a nonprofit organization, the officers and directors of the Borrower.
    4. Principal Name. Insert the full name of the Principal.
    5. Position. Identify the Principal's position; for example, self-employed individual; independent contractor; sole proprietor; general partner; owner; officer; director; member; or key employee.

    Updates to Existing Information

    We will prepare the forgiveness submission to the SBA using certain information that we already have on file from your most recent approved PPP loan application.  Please let us know if any of the following have changed from the time you obtained your most recent PPP loan.  You can review your signed PPP loan application (SBA Form 2483, 2483-C, 2483-SD, or 2483-SD-C) to see the information that we have on file.

    Business Legal Name
    DBA or Tradename
    Business Address
    NAICS Code
    Business Phone
    Primary Contact

    Note: If you check the box to indicate changes, it will require additional manual follow-up from a specialized PPP resource from the Bank.

    Sign and Submit

    The person submitting this forgiveness application (the “Application”) certifies that: (1) s/he is the Authorized Representative of the borrower of the PPP loan that is the subject of this forgiveness request (the “Borrower”); (2) as the Borrower’s Authorized Representative, s/he is authorized to execute and deliver this Application on behalf of the Borrower; (3) submission of this Application by clicking the button below is the electronic equivalent of his/her signature on this Application in his/her capacity as the Borrower's Authorized Representative; and (4) all information and documents submitted are true, correct, and complete. The Authorized Representative acknowledges on behalf of the Borrower that: (a) if additional information becomes available that would have influenced the Bank's decision to approve this Application, the Bank reserves the right to withdraw any such approval; (b) the Bank will combine the information provided in this Application with the information that the Bank has on file from the Borrower’s PPP loan application (the “Prior Information”) in order to prepare the Borrower’s forgiveness submission to the SBA; (c) unless the Authorized Representative has indicated above that changes need to be made to the Prior Information, the Prior Information is still true and correct and can be used by the Bank in preparing the Borrower’s forgiveness submission to the SBA; and (d) the person who was previously designated by the Borrower as the Borrower’s primary contact will continue to be the person who receives all communications from the Bank.

    Contact Private Banking

    Business Services

    Give your customers more paying power

    Just give us a bit of contact information and we’ll get back to you regarding your questions and concerns.

    * Indicates a required field.

    Preferred Contact Method

    First Hawaiian Bank’s Wealth Management Group provides investment advice and financial products and services through First Hawaiian Bank. First Hawaiian Bank does not provide tax or legal advice.

    Business Services

    Business Services

    Give your customers more paying power

    Make it easier for shoppers - and give your company a competitive edge - by accepting all forms of debit and credit card payments.

    Please tell us a little about your business and our Business Services team will contact you shortly. We look forward to learning about your needs and how we can help.

    * Indicates a required field.

    Careers FAQs


      If you are being considered for a position, a Human Resource Representative will contact you within two weeks of submitting your application using the contact preference you designated when applying.

        To facilitate the application process for job applicants with disabilities, FHB has established a dedicated email address for accommodation requests. These requests may be submitted in email to In your message, make sure to include your full name, the position(s) in which you are interested, and the best time and method for reaching you. Please do not include any medical or other private information in your message - our HR team will contact you within two business days.

          1) log in to the system using the email address and password you provided; 2) select the position you wish to apply for; 3) click on the Add to My Jobs button; 4) review the application for completeness and accuracy; and 5) eSign, date and click the Submit button.

            You may attach your resume during the application process.

            Have more questions?

            Or call customer service at (808) 844-4444.

            Investing & Insurance FAQs


              A fiduciary is an individual, corporation or agent holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.

                A trustee is an individual or organization which holds or manages and invests assets for the benefit of another. The trustee is legally obliged to make all trust-related decisions with the beneficiary’s interests in mind. Trustees may be entitled to a payment for their services

                  A legal arrangement in which an individual (the Trustor) gives fiduciary control of property to a person or institution (the trustee) for the benefit of beneficiaries.

                    Estate Planning can be a very complex job, and is not something to be taken lightly. First Hawaiian Bank can work with you and your attorney to properly guard your assets for the future.

                    For more information, call us at 525-7134 or toll-free at 1-888-287-0398. You can also visit any conveniently located First Hawaiian Bank branch and ask for a Wealth Advisor.

                      Having a will is good, but it's just the beginning of Estate Planning. You must, first and foremost, consider your goals as they pertain to your family and estate. You must also include smart tax planning, because estate taxes can significantly diminish the wealth you want to leave to your family. Keeping estate taxes as low as possible means more wealth to your family.

                        Yes, proper Estate Planning will help you identify and reach the goals you set for your estate. Most of all, it will help you to leave the kind of legacy you want to your loved ones.

                        Note: Tax laws are subject to change (consult your Tax Advisor)</