loans banner

We are now accepting applications for PPP.

Waterfall with Rainbow
COVID-19 Small Business Administration Paycheck Protection Program

If you are a business seeking assistance from the Paycheck Protection Program. Please click on the link to apply.

To ensure faster processing, please have supporting documents readily available to upload via an email confirmation.:

  • All four 2019 IRS Quarterly 941 payroll tax reports OR Form 940/944 for 2019
  • Prior Month Bank Statement
  • Business Banking information (Routing & Account number)


If self-employed or independent contractor:

  • Official 2019 IRS 1099 (if you are the recipient of the funds)
  • Official 2019 IRS 1040 Schedule C Form

Auto Loans

New/Used Vehicles

girl in nature in car

We make your car buying experience a breeze! Finance your new or used car, truck, or van with us and receive rates as low as 1.50% APR*!

GAP PLUS with Deductible Assistance

Click the image below to view PDF.

GAP Plus with Deductible Assistance document

Mechanical Repair Coverage

Click the image below to view PDF.

First-Time Auto Loan

time to lose the training wheels level up with a first time auto loan. Sonny boy on a tricycle.

Buying a car is a big deal. Getting your hands on the keys is often harder for first-time buyers. Don’t go to the dealership without a plan to pay for your new ride.

proof of insurance

Click Here to Apply

Real Estate Loans

Construction Loans

Are you planning to build this before the year is over? Bring your dreams to life with help from our Construction Loan! Change your scenery with help from our local experts. Plan your home and build your new life.


Whether it is your first home, your retirement home or your dream home, we are here to help!

Check our mortgage rates for further information.

Department of Hawaiian Homelands

We specialize in Department of Hawaiian Home Lands loans.

Vacant Land Property Loans

Secure your piece of Paradise now and enjoy the benefit of our payment plan while dreaming up your new home

To learn more, contact our Homeownership Supervisor, Sharon Low NMLS #790063, at sharon@hawaiifirstfcu.com or call 808.319.2184.

Pot of Gold Savings Loan

Our Pot of Gold Savings Loan helps members set aside funds on a regular basis so that life’s unexpected emergencies don’t become financial emergencies. This special offer provides you with 50% of your loan and in cash with the other 50% going right to your savings account. Interested? Stop by to apply for yours today.

dark haired girl in glasses and light blue shirt holding up 3 fingers. Text It's as easy as 1,2,3!

Personal Line of Credit (LOC)

Have a recurring need to borrow or want a great option for unexpected emergencies? The Personal Line of Credit (LOC) may be the perfect option for you. With a Personal LOC, you have access to funds when you need them. No more waiting for loan approvals or having to apply. Simply transfer the funds you need when you need them. Rates start as low as 7.75% APR and we offer lines as large as $10,000 to qualified members. Open yours today!

Overdraft Line of Credit (LOC)


Don’t you hate overdraft fees?  We do too!  That’s why Hawaii First offers an Overdraft LOC to help our members avoid fees and gain peace of mind.  Open an Overdraft LOC and know your transactions will be covered, each and every time.  Featuring rates as low as 9.00% APR, this line of credit is transferred in increments of $50 to help cover any unexpected or unplanned expenses.

Credit Cards

Paying your Visa® bill online couldn’t be easier! Use the safe and secure site to pay your Visa® bill each month at ezcardinfo.com. Enroll quickly with a few simple steps and you’re ready to make a payment, view your current balances and previous statements online! Check out ScoreCardRewards.com for information on points!

Click Here to Apply

Credit Insurance

family working on something together.

Every year has its ups and downs, there’s no way around it. There is a way, however, to put your mind at ease when it comes to your loan payments.

We offer Credit Insurance* to make sure your financial stability is not something you stress. Life is beautiful but filled with surprises — both welcome and not — don’t allow your financial stability to hang in the balance of unpredictability. Get the protection you need today with our Credit Insurance.

Stop by for more info!

Credit Insurance Credit Life & Disability

Click the image below to view the PDF.

credit insurance credit life and disability document

*APR=Annual Percentage Rate. Offer valid January 1 2020 — March 31, 2021. The credit union reserves the right to change or end promotion at any time. Offer valid for new loans on new or used vehicle including first-time buyer and refinancing of existing auto loans. No pre-payment penalty. Example: $20,000 over 60 months at regular rate of 3.50% payments at $363.86, promo rate of 1.50%, payments at $346.21. No minimum loan amount. Minimum APR 1.5% and maximum 16.25%. Excludes internal refinancing. See credit union for full details. Federally insured by NCUA.

You are now leaving Hawaii First Federal Credit Union

Hawaii First Federal Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Hawaii First Federal Credit Union, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL