Borrow a fixed amount for debt consolidation, new appliances, or anything else you need.
Streamline your budgeting and financial planning
Consolidate higher-interest loans and credit card debt
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- Consolidating higher-interest debt, such as credit card balances
- Financing furniture or large home appliances
- Paying your children's tuition
Could debt consolidation help me?
As you review your finances, it may make sense to consolidate some of your credit card and other personal debt into a new consolidated loan. Consolidation loans can significantly reduce your required monthly payment. Use our debt consolidation calculator to see how soon your current debt could be paid off and how much interest you might save
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A line of credit is similar to a credit card in that it is a flexible borrowing solution. You can draw on this revolving line of credit simply by writing a check. You are also able to borrow any part of your credit line again once you have repaid it. You do not need to make any payments until you use your line.
With a personal loan, you receive the funds when you're approved, and you start paying interest immediately on the full amount owed. You have a fixed schedule of payments that will reduce your outstanding balance until the loan is paid off.
For more information, browse our options on loans and lines of credit.
First, determine your needs. Do you need to borrow a large amount of money? Do you want to make regular, fixed payments? Do you have property with which to secure credit? Do you want extra money just-in-case? Our handy calculators can help give you an idea of what loan option is right for you. For a more customized analysis of what loan option is best, talk to a First Hawaiian Banker today or call 643-LOAN (5626). Guam residents, please call 477-LOAN (5626), and from the CNMI call 1-800-403-7167
You can consolidate your various debts (loans, lines of credit, credit card balances, etc.) into one loan, usually at a lower rate. As a result, you will have just one bill to pay, and you may find it easier to pay off your debt more quickly. First Hawaiian Bank offers many options for debt consolidation, usually through a home equity or a personal loan or line of credit.
For more information, browse our options on Loans and Lines of Credit.
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