Personal Loans

Borrow a fixed amount for debt consolidation, new appliances, or anything else you need.


  • Fixed rate with predictable monthly payments1
  • Funds are available soon after approval
  • No prepayment penalty
  • Can be secured by a savings account or CD. (Contact a branch for details.)

Key benefits

Streamline your budgeting and financial planning
Consolidate higher-interest loans and credit card debt
Apply quickly and easily [[online|]], in-branch, or by phone
Loans ideal for consolidating debt, paying for tuition or other large purchases

Ideal for

  • 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

Ready to get started?

You will need the following documents and information to apply:

  • Social security number
  • Income verification for requested loan/line 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 the application is submitted, FHB may reach out to verify your ID
(valid driver's license or other proof of ID).


    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, request a withdrawal in person, or use FHB online for payments or transfers to existing FHB accounts. You are also able to borrow any part of your credit line again once you have repaid it. Except for the annual fee, no payments are due until you advance your line of credit.  

    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 you make 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 for the unexpected? 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 808-643-LOAN (5626). Guam residents, please call 671-477-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.

          You can easily view your loan balance, transfer funds, and make payments through FHB Online & Mobile Banking. If you have not yet enrolled in Online & Mobile Banking, you can enroll here.


          Didn’t find an answer? Still have questions?


            1. Subject to credit approval.

            Personal Loans

            Personal Loans