Personal FirstLine[[®]]

A flexible line of credit that gives you cash when you need it

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Features

Apply quickly and easily online, in-branch, or by phone
Draw upon your line soon after approval¹
You have the option to lock in all or a portion of your balance at a fixed rate for up to six years

See rates

Key benefits

Write yourself a check

Or even better—transfer funds into your checking account through Online Banking

You’re ready to face the future

You have borrowing power to meet life’s opportunities and challenges

No collateral required

Ideal for

Those who want the flexibility to access money when they need it
People who are planning to pay for vacations, tuition, or unplanned expenses.

Ready to get started?

Make an Appointment

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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 fixed payments? Do you have property with which to secure credit? Do you want extra money just-in-case? 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.

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Disclosures

Subject to credit approval