Mālama Debt Consolidation Loan


  • Consolidate existing debts (Applicants to submit creditor statements for debts being paid off)


$2,500 – $10,000


  • 5.00 APR
  • Up to a seven-year term


  • U.S. Citizen
  • State of Hawai‘i Resident
  • Applicant must be of Native Hawaiian ancestry
  • At least 18 years of age
  • Credit score 650 or higher
  • Income-to-debt ratio is no more than 45%


  • Proof of Hawaiian ancestry: verified by current  OHA Hawaiian Registry card
  • Proof of Hawaii residency: driver’s license or State ID
  • Two years most recent federal tax returns with all schedules
  • One month current consecutive pay stubs and two years recent W-2(s)
  • Most recent statements for your credit cards and loans


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. Please be aware that all documents must be submitted in order for the Loan Officer to process the application.

Apply Now For more information, please contact us at (808) 594-1888, NHRLF@ohaloanfund.org, or contact your OHA neighbor island office.