Questions & Answers

Who is eligible for a loan from OHA?

Documentation sources

What documents do I need to apply for a loan?

CONSUMER MICRO LOAN PROGRAM:
  • Proof of Hawaiian ancestry:  OHA Hawaiian Registry card
  • State of Hawai‘i Driver’s License or State of Hawai‘i Identification Card
  • Proof of Income: For all W-2 employees, one month of pay stubs, if you worked with the company for at least two years. If not, please include previous year’s W-2s. For self-employed, two years of federal tax return, including all schedules.
  • Verification of the use of funds: Estimate or Invoice
  • Statement of request: Letter as to why you are applying for a loan (Only required if submitting a paper application)
Mālama Loans:
  • Proof of Hawaiian ancestry:  OHA Hawaiian Registry card
  • State of Hawai‘i Driver’s License or State of Hawai‘i Identification Card
  • One month of current consecutive pay stubs
  • Two years of W2’s
  • Two years Federal Tax returns
  • Verification and breakdown of use of funds
  • Business loans require the most recent two years tax returns. If business is in operations for less than two years, but more than one year, then most recent business tax return and current profit-and-loss statement must be submitted
  • A business plan is required for any startup business loans
  • Loans over $20,000 require non-real estate collateral

How do I apply for a loan?

There are three ways to apply for our loans:

  • In person at any OHA office [ include link to OHA office locations ]
  • Online [ Links to online applications ]
  • Request an application by phone, email or by writing to OHA.
    • Mālama Loan: (808) 594-1888, email: NHRLF@ohalanfund.org
    • Hua Kanu Loan: Robert Crowell, (808) 594-1924.
    • Consumer Micro Loan Program: Lareina Meinecke, (808) 594-1823, email: lareinam@oha.org

How DO I make loan payments?

There are three ways to make Mālama Loan payments:

  • BY MAIL

OHA Mālama Loan Fund
P.O. Box 30960
Honolulu, HI 96820-0960

*Include payment coupon

  • BY AUTO-PAYMENT

ACH Payments (Automatic Clearing House Debits)
Please download the ACH Debit Payments Form PDF here, fill in the information and mail to OHA Loan Programs, 560 N. Nimitz Highway, Suite 200, Honolulu, HI 96817, or  scan and email to NHRLF@ohaloanfund.org to initiate or modify your automatic payments from your checking account to your Office of Hawaiian Affairs Native Hawaiian Revolving Loan Fund loan. Important: Please be sure to attach a check marked “VOID.”

  • DROP OFF AT OHA OFFICES

See our Contact page for a list of locations.

Loan payment options are determined at the time of loan approval, and instructions are given when your loan papers are signed.