Our State of Hawaii Relief Loan can provide you with the support and resources needed to keep your finances in order while your direct deposit is setup. That means gaining the peace of mind that you’ll have the necessary funds to pay for essentials, as well as making sure all other regular monthly expenses can be paid on time. The State of Hawaii Relief Loan has two ways to help:


Option 1: Personal Loan

 Option 2: Loan Deferral

  • Borrow up to one month’s amount of pay
  • Fixed 6.00% APR*
  • Up to 6-month term
  • Available to all State of Hawaii employees
  • No annual fees or prepayment penalty
  • Defer one month's payment on a current HawaiiUSA term loan up to two times


Apply now


Still have questions about a State of Hawaii Relief Loan?

Call us on Oahu at (808) 534.4300 or toll-free at (800) 379.1300. We’re here Monday through Friday, 8:00 a.m. to 6:00 p.m., and Saturday 8:00 a.m. to 2:30 p.m. If calling outside of regular business hours, you may leave a message and we’ll call you back the next business day.



* APR = Annual Percentage Rate

1 New loans only. Must show proof of employment with the State of Hawaii through paystub or direct deposit statement. Minimum loan amount is $500, maximum loan amount to not exceed one month’s net pay. $169.60 monthly principal and interest payment for $1,000 loan at 6.00% APR for 6 months. Fixed 6.00% APR includes 0.25% discount for automatic payment from HawaiiUSA checking or payroll deduction (0.25% higher without). Rate will increase if automatic transfer or payroll deduction is discontinued.   Available through January 31, 2019.

2 Only HawaiiUSA term loans are eligible for Loan Deferral; Lines of Credit (HELOC, Signature, Overdraft) and credit cards are ineligible. Account must be current and not be past due more than 15 days at the time of deferral. Subject to HawaiiUSA terms and conditions. Membership guidelines may apply. Available through January 31, 2019.