If you live in your home on Hawai‘i Island or Kaua‘i and are experiencing financial hardship you may be eligible for financial assistance.
Our service begins with a commitment to provide the resources and solutions you need.
Our expert team understands local culture and the challenges
low-and-moderate income communities face here in Hawai‘i.
Our mission is to help others achieve and sustain economic
self-sufficiency and permanent, affordable housing. Our doors
are open to all with particular focus on Native Hawaiians.
HCL’s housing and financial counseling helps build savings, pay down debt and improve credit with the goal of securing and sustaining permanent, affordable housing.
You CAN do it. Hawai‘i Community Lending (HLC) can help. We were founded on a commitment to help low-and-moderate-income individuals and families secure permanent, affordable housing.
Hawai‘i Community Lending is a nonprofit U.S. Treasury-certified community development financial institution that specializes in providing loans to local residents who cannot qualify at mainstream banks and credit unions.
We offer grants and loans to consumers, renters, homebuyers, nonprofits, businesses, and affordable housing builders.
Grants and Loans
Grants to help you with financial emergencies, rent, utilities or mortgage assistance.
Homeowner Assistance Fund
If you live in your home on Hawai‘i Island or Kaua‘i and are experiencing financial hardship you may be eligible for up to $30,000 in grant funds.
Loans to help you with financial emergencies, rent, utilities or mortgage assistance.
Loans that fit your needs and set you on your path to economic opportunity.
Affordable Housing Loans
Loans to help you build credit, and consolidate debt.
Small Business Loans
Funding for nonprofits, entrepreneurs, and businesses.
Hawai‘i Community Lending welcomes individuals, organizations, and businesses to invest in our loan fund. Your investment is an efficient and meaningful way to help Hawai‘i residents address financial emergencies, secure or sustain affordable housing, and create economic opportunity for our communities.
Hawai‘i Community Lending partners with Hawaiian Community Assets Financial Opportunity Centers across the state to provide our borrowers with financial counseling and technical assistance.
Visit Hawaiian Community Assets to learn more about the services available at their Financial Opportunity Centers. Our mortgage loan team helps homebuyers find and secure affordable mortgage financing to make the dream of homeownership a reality.