OHA Consumer Micro Loan

The OHA Consumer Micro-Loan Program (CMLP) is intended to provide low-cost loans to Native Hawaiians who are experiencing temporary financial hardship due to unforeseen events, or who wish to enhance their careers.

Some uses of the loan

  • Death in the Family/Funeral Expense
  • Emergency Health Situation
  • Unexpected Home or Auto Repairs
  • CDL License
  • Apprenticeship Programs
  • Career Development Courses

Unallowable USES

  • Debt Consolidation or Refinancing
  • Vacation
  • Investment
  • Re-Lending by Borrower
  • Home Remodeling
  • Past due utilities or rent
  • Down payment loans
  • Auto purchase


$500 to $7,500

Rates & Terms

  • Simple interest, fixed at 5%
  • Up to five years
  • Collateral not required
  • No gross annual income limit
  • Primary applicant must have sufficient income
  • Co-applicant or guarantor can strengthen the loan


  • Applicant must be of Native Hawaiian ancestry, at least 18 years of age and a resident of the State of Hawaii
  • Applicant should have a satisfactory credit history with a minimum credit score of 600 and the ability to repay the loan
  • Two years of employment history is preferred
  • Debt-to-income ratio of no more than 50%
  • Loan must be for applicant’s benefit
  • Loans are available to individuals only. Partnerships, corporations, sole proprietorships, etc., are excluded

Required documents:

  • Identification: Government issued ID (State drivers’ license or state identification)
  • Proof of Hawaiian ancestry: verified by current  OHA Hawaiian Registry card
  • Proof of Income: All W-2 employees, one month of consecutive pay stubs. If you have not worked with the company for at least two years, include previous year W2’s. Self-employed, two years of federal tax returns, including all schedules. Social security recipients, current year’s award letter or two month’s consecutive bank statements.
  • 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)


Applying for a loan is as easy as 1, 2, 3:

  1. Create a secure user account.
  2. Gather your documents.
  3. Complete the online application.

The process typically takes 20-25 minutes. Once you complete the application, a lending associate will contact you within two business days. Once an application has been approved, documents can be signed and funds disbursed usually within five to eight business days.

Prior to signing the application and submitting, you will have the option to upload the required documents. All documents must be submitted in order for the Loan Officer to process the application.

Apply Now

The Loan Portal is compatible with most computers and laptops.  You may experience technical issues when applying with a cell phone or tablet device.  For more information, please contact Lareina Meinecke at (808) 594-1823, email cmlp@ohaloanfund.org, or contact your OHA neighbor island office.