Personal Loans

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

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Features

  • 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.)
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Key benefits

Streamline your budgeting and financial planning
Consolidate higher-interest loans and credit card debt
Apply quickly and easily [[online|https://loans.fhb.com]], 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

What would my monthly loan payment be?

Depending on your financial needs, a personal loan could be the right tool to help you consolidate higher-interest debt or finance large purchases. Use our loan payment calculator to estimate your monthly personal loan payment. 

Please note: This calculator is provided for informational purposes only. It does not necessarily reflect the actual monthly payment you would make on a personal loan. All personal loans are subject to credit approval. Rates, fees, and available loan terms are subject to change at any time.

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You will need the following documents and information to apply:

  • Social Security Number
  • Income verification (only for 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 submitting your application, FHB may follow up to verify your information.

FAQs

    How is a personal loan different from Personal FirstLine?

    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.

      What is the best borrowing option for me?

      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

        How can I manage and make payments to my personal loan or line 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?

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          Disclosures

          1. Subject to credit approval.

          Personal Loans

          Personal Loans

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