{"id":41518,"date":"2025-08-11T16:47:54","date_gmt":"2025-08-12T02:47:54","guid":{"rendered":"http:\/\/hawaiiancouncil.org\/staging\/?page_id=41518"},"modified":"2025-09-03T15:33:04","modified_gmt":"2025-09-04T01:33:04","slug":"ama","status":"publish","type":"page","link":"https:\/\/hawaiiancouncil.org\/staging\/ama\/","title":{"rendered":"Ama Loan Program"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; next_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;Header&#8221; module_class=&#8221;top-banner&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_direction=&#8221;41deg&#8221; background_color_gradient_stops=&#8221;#0a0000 0%|rgba(10,0,0,0.88) 40%|rgba(33,2,0,0.1) 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_image=&#8221;https:\/\/mllljc1ubsvr.i.optimole.com\/cb:zges.5da96\/w:auto\/h:auto\/q:mauto\/f:best\/http:\/\/hawaiiancouncil.org\/staging\/wp-content\/uploads\/2025\/08\/Canoe-01.jpg&#8221; background_enable_video_mp4=&#8221;off&#8221; background_enable_video_webm=&#8221;off&#8221; min_height=&#8221;400px&#8221; bottom_divider_style=&#8221;curve&#8221; bottom_divider_height=&#8221;53px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;4vw||4vw||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_post_title meta=&#8221;off&#8221; featured_image=&#8221;off&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#FFFFFF&#8221; title_font_size=&#8221;3.5em&#8221; title_line_height=&#8221;1.15em&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_post_title][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;41d5859c-fbaa-458a-88e4-5d886857f235&#8243; text_font=&#8221;DM Sans||||||||&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_font_size=&#8221;22px&#8221; text_line_height=&#8221;1.6em&#8221; header_3_font=&#8221;DM Serif Display||||||||&#8221; header_3_font_size=&#8221;24px&#8221; background_layout=&#8221;dark&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;|||22px|false|false&#8221; text_font_size_tablet=&#8221;16px&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; border_width_left=&#8221;2px&#8221; border_color_left=&#8221;#ef8351&#8243; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Your financial future is within reach \u2014 and we\u2019re here to help you get there.<\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.17.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.17.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_3_line_height=&#8221;1.7em&#8221; custom_padding=&#8221;0px|70px|0px|70px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3 style=\"text-align: center;\">Building your credit is one of the most important steps toward stability and independence. A credit score isn\u2019t just a number \u2014 it can affect your ability to rent a home, secure reliable transportation, and even get a job.<\/h3>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: center;\"><strong>This program is currently only available to individuals impacted by the August 8, 2023 Maui Wildfires<\/strong><\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Our Customers&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#efeee7&#8243; background_image=&#8221;https:\/\/mllljc1ubsvr.i.optimole.com\/cb:zges.5da96\/w:auto\/h:auto\/q:mauto\/f:best\/http:\/\/hawaiiancouncil.org\/staging\/wp-content\/uploads\/2025\/08\/Ama-01b.jpg&#8221; background_position=&#8221;bottom_center&#8221; custom_padding=&#8221;||3vw||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;2_5,3_5&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;5ff55506-da7d-4dd7-b409-9d62c7203201&#8243; text_font=&#8221;DM Serif Display||on||||||&#8221; text_text_color=&#8221;#565656&#8243; text_font_size=&#8221;22px&#8221; text_line_height=&#8221;1.72em&#8221; background_color=&#8221;#efeee7&#8243; module_alignment=&#8221;left&#8221; custom_padding=&#8221;40px|40px|40px|40px|false|false&#8221; custom_padding_tablet=&#8221;|40px||40px|false|false&#8221; custom_padding_phone=&#8221;40px|40px|40px|40px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; text_font_size_tablet=&#8221;22px&#8221; text_font_size_phone=&#8221;22px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_font_size_tablet=&#8221;55px&#8221; header_font_size_last_edited=&#8221;off|desktop&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Like the outrigger float (ama) that gives a canoe balance, the<strong> Ama Loan Program<\/strong> is designed to keep you steady on your financial journey and help you move forward with confidence.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#b64913&#8243; background_image=&#8221;https:\/\/mllljc1ubsvr.i.optimole.com\/cb:zges.5da96\/w:auto\/h:auto\/q:mauto\/f:best\/http:\/\/hawaiiancouncil.org\/staging\/wp-content\/uploads\/2025\/08\/HC_web_textile_orange-scaled.png&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;4px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text ul_item_indent=&#8221;35px&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_line_height=&#8221;1.8em&#8221; header_3_font=&#8221;DM Serif Display||||||||&#8221; header_3_text_color=&#8221;#677215&#8243; header_3_font_size=&#8221;30px&#8221; background_color=&#8221;#efeee7&#8243; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;40px|40px|95px|40px|false|false&#8221; custom_padding_tablet=&#8221;||40px||false|false&#8221; custom_padding_phone=&#8221;40px|40px|40px|40px|false|false&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; border_radii=&#8221;off|||20px|20px&#8221; border_width_top=&#8221;8px&#8221; border_color_top=&#8221;#e5c155&#8243; box_shadow_style=&#8221;preset1&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><strong>Why Apply?<\/strong><\/h3>\n<p><strong>With the Ama Loan Program, you can possibly:<\/strong><\/p>\n<ul>\n<li>Boost your credit score with on-time payments reported to the credit bureaus<\/li>\n<li>Gain financial skills through a financial literacy course and counseling sessions<\/li>\n<li>Grow your savings with up to $250 in bonus matching funds<\/li>\n<li>Rebuild stability after the challenges of the Maui wildfires<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text ul_item_indent=&#8221;35px&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_line_height=&#8221;1.8em&#8221; header_3_font=&#8221;DM Serif Display||||||||&#8221; header_3_text_color=&#8221;#677215&#8243; header_3_font_size=&#8221;30px&#8221; background_color=&#8221;#efeee7&#8243; custom_padding=&#8221;40px|40px|40px|40px|false|false&#8221; border_radii=&#8221;off|||20px|20px&#8221; border_color_all=&#8221;#e5c155&#8243; border_width_top=&#8221;8px&#8221; box_shadow_style=&#8221;preset1&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><strong>How It Works<\/strong><\/h3>\n<p><strong>If you qualify, you\u2019ll receive a $500 loan to use for your needs. You\u2019ll:<br \/><\/strong><\/p>\n<ul>\n<li>Complete a financial empowerment course<\/li>\n<li>Work with a HUD-certified financial counselor<\/li>\n<li>Repay the loan in monthly installments of $42.80 over 12 months<\/li>\n<\/ul>\n<p>Payments are\u00a0automatically deducted\u00a0from your account to ensure they\u2019re on time. Each payment is reported to the credit bureaus, helping to build your credit history.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_line_height=&#8221;1.8em&#8221; header_3_font=&#8221;DM Serif Display||||||||&#8221; header_3_text_color=&#8221;#677215&#8243; header_3_font_size=&#8221;30px&#8221; background_color=&#8221;#efeee7&#8243; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;40px|40px|40px|40px|false|false&#8221; border_radii=&#8221;off|||20px|20px&#8221; border_width_top=&#8221;8px&#8221; border_color_top=&#8221;#e5c155&#8243; box_shadow_style=&#8221;preset1&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><strong>The Extra Reward<\/strong><\/h3>\n<p>If you have a Savings Account and successfully complete the program \u2014 making all payments on time and meeting all requirements \u2014 and you\u2019ll be eligible for a 50% savings match, up to $250.<\/p>\n<p>That means if you save $500, we\u2019ll add $250 \u2014 a direct reward for your commitment.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_line_height=&#8221;1.8em&#8221; header_3_font=&#8221;DM Serif Display||||||||&#8221; header_3_text_color=&#8221;#677215&#8243; header_3_font_size=&#8221;30px&#8221; background_color=&#8221;#efeee7&#8243; custom_padding=&#8221;40px|40px|125px|40px|false|false&#8221; custom_padding_tablet=&#8221;||40px||false|false&#8221; custom_padding_phone=&#8221;||40px||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;off|||20px|20px&#8221; border_width_top=&#8221;8px&#8221; border_color_top=&#8221;#e5c155&#8243; box_shadow_style=&#8221;preset1&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><strong>Who Can Apply<\/strong><\/h3>\n<p>This program is available\u00a0only to individuals impacted by the August 8, 2023 Maui Wildfires\u00a0and is\u00a0limited to the first 100 qualified applicants. Apply early to secure your spot.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Our Customers&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f5f3ee&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;#f5f3ee 0%|rgba(227,214,202,0.33) 37%|rgba(224,210,197,0.46) 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_enable_image=&#8221;off&#8221; background_position=&#8221;bottom_center&#8221; custom_padding=&#8221;||3vw||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text ul_item_indent=&#8221;35px&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_line_height=&#8221;1.8em&#8221; header_3_font=&#8221;DM Serif Display||||||||&#8221; header_3_text_color=&#8221;#b64913&#8243; header_3_font_size=&#8221;30px&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><strong>Program Requirements<\/strong><\/h3>\n<p><strong>To qualify, you must:<\/strong><\/p>\n<ul>\n<li>Be at least 18 years old<\/li>\n<li>Show proof of income (ability to repay)<\/li>\n<li>Have a savings account in your name<\/li>\n<li>No late payments or bankruptcy discharge on your credit report in the last 3 months<\/li>\n<li>Agree to work with a HUD-certified counselor for the duration of the program<\/li>\n<li>Complete a Financial Empowerment course<\/li>\n<li>Set up automatic payments (ACH\/Autopay)<\/li>\n<li><strong>Priority for applicants with a credit score of 620 or below OR no established credit<\/strong><\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_line_height=&#8221;1.8em&#8221; header_3_font=&#8221;DM Serif Display||||||||&#8221; header_3_text_color=&#8221;#b64913&#8243; header_3_font_size=&#8221;30px&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><strong>Loan Details<\/strong><\/h3>\n<table style=\"border-collapse: collapse; width: 104.044%; height: 161px;\" border=\"1\">\n<tbody>\n<tr style=\"height: 23px;\">\n<td style=\"width: 42.6346%; height: 23px;\"><strong>Feature<\/strong><\/td>\n<td style=\"width: 64.14%; height: 23px;\"><strong>Description<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 42.6346%; height: 23px;\">Loan Amount<\/td>\n<td style=\"width: 64.14%; height: 23px;\">$500<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 42.6346%; height: 23px;\">Loan Term<\/td>\n<td style=\"width: 64.14%; height: 23px;\">12 Months<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 42.6346%; height: 23px;\">Interest<\/td>\n<td style=\"width: 64.14%; height: 23px;\">5%<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 42.6346%; height: 23px;\">Payment Frequency<\/td>\n<td style=\"width: 64.14%; height: 23px;\">Monthly<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 42.6346%; height: 23px;\">Loan Fee<\/td>\n<td style=\"width: 64.14%; height: 23px;\">None<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 42.6346%; height: 23px;\">Savings Match*<\/td>\n<td style=\"width: 64.14%; height: 23px;\">50% Match up to $250 upon successful completion<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>*All monthly payments must be made on time, and you must complete 5 counseling sessions (initial orientation plus quarterly check-ins).<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;Testimonials&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;#efeee7 0%|rgba(215,209,201,0.61) 100%&#8221; background_image=&#8221;https:\/\/mllljc1ubsvr.i.optimole.com\/cb:zges.5da96\/w:auto\/h:auto\/q:mauto\/f:best\/http:\/\/hawaiiancouncil.org\/staging\/wp-content\/uploads\/2025\/08\/HC_web_brainstormsdrafts2222-1-scaled.png&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;3_5,2_5&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text ul_item_indent=&#8221;35px&#8221; ol_item_indent=&#8221;35px&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_line_height=&#8221;1.8em&#8221; header_3_font=&#8221;DM Serif Display||||||||&#8221; header_3_text_color=&#8221;#677215&#8243; header_3_font_size=&#8221;30px&#8221; background_color=&#8221;#ffffff&#8221; custom_padding=&#8221;40px|40px|40px|40px|false|false&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; box_shadow_style=&#8221;preset1&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><strong>Steps to Get Started<\/strong><\/h3>\n<p><strong>To qualify, you must:<\/strong><\/p>\n<ol>\n<li>Submit your application.<\/li>\n<li>Hawaiian Council loan staff will review your application.<\/li>\n<li>Schedule your online financial empowerment class (if not already completed) by calling (808) 596-8155.<\/li>\n<li>If approved, sign your loan agreement.<\/li>\n<li>Receive your funds via ACH or check.<\/li>\n<li>Make your monthly payments.<\/li>\n<li>Attend quarterly check-ins with your financial counselor.<\/li>\n<li>Complete all requirements and make every payment on time.<\/li>\n<li>Receive up to $250 in savings match for your success!<\/li>\n<\/ol>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_line_height=&#8221;1.8em&#8221; header_3_font=&#8221;DM Serif Display||||||||&#8221; header_3_text_color=&#8221;#677215&#8243; header_3_font_size=&#8221;30px&#8221; background_color=&#8221;#ffffff&#8221; custom_padding=&#8221;40px|40px|40px|40px|false|false&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; box_shadow_style=&#8221;preset1&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><strong>Ready to start <\/strong><strong>building your credit &amp; growing your savings?<br \/><\/strong><\/h3>\n<p style=\"text-align: center;\">Apply now by calling (808) 596-8155 or visiting <a href=\"https:\/\/app.lenderfit.io\/apply\/td81br.d6f\"><strong>this page<\/strong><\/a>.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/app.lenderfit.io\/apply\/td81br.d6f&#8221; button_text=&#8221;Click Here to Complete Application&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#b64913&#8243; button_border_radius=&#8221;40px&#8221; custom_padding=&#8221;|30px||30px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][et_pb_image src=&#8221;https:\/\/mllljc1ubsvr.i.optimole.com\/cb:zges.5da96\/w:auto\/h:auto\/q:mauto\/f:best\/http:\/\/hawaiiancouncil.org\/staging\/wp-content\/uploads\/2025\/08\/Canoe-Paddling-02.jpg&#8221; title_text=&#8221;Canoe-Paddling-02&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; box_shadow_style=&#8221;preset1&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||on||||||&#8221; text_font_size=&#8221;13px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>No statement on this site is a commitment to make a loan. This program is intended to build credit but lender does not guarantee approval. Loans are subject to borrower qualifications, including but not limited to eligibility for the program and final credit approval. Approvals are subject to underwriting and program guidelines and are subject to change without notice. Lender makes no representation, warranty, or guarantee that a borrower\u2019s credit will improve after completing the loan program.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; background_image=&#8221;https:\/\/mllljc1ubsvr.i.optimole.com\/cb:zges.5da96\/w:auto\/h:auto\/q:mauto\/f:best\/http:\/\/hawaiiancouncil.org\/staging\/wp-content\/uploads\/2022\/08\/cnha-backdrop-v2.png&#8221; background_enable_image=&#8221;off&#8221; background_size=&#8221;contain&#8221; background_position=&#8221;bottom_right&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_module=&#8221;1202&#8243; saved_tabs=&#8221;all&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/mllljc1ubsvr.i.optimole.com\/cb:zges.5da96\/w:auto\/h:auto\/q:mauto\/f:best\/http:\/\/hawaiiancouncil.org\/staging\/wp-content\/uploads\/2025\/08\/HawaiianCouncil-Logo-Black-1.png&#8221; title_text=&#8221;HawaiianCouncil-Logo-Black 1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; width=&#8221;33%&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; header_2_text_align=&#8221;center&#8221; header_2_font_size=&#8221;3em&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>What We Do<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_4,1_4,1_4,1_4&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;2&#8243; _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;1280px&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Rent &#038; Mortgage Relief&#8221; image=&#8221;https:\/\/mllljc1ubsvr.i.optimole.com\/cb:zges.5da96\/w:auto\/h:auto\/q:mauto\/f:best\/http:\/\/hawaiiancouncil.org\/staging\/wp-content\/uploads\/2022\/08\/thumb_rent-mortage-relief.jpg&#8221; alt=&#8221;Rent &#038; Mortgage Relief Thumbnail&#8221; _builder_version=&#8221;4.19.2&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h3&#8243; body_font_size=&#8221;16px&#8221; body_line_height=&#8221;1.5em&#8221; use_background_color_gradient=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>We can help you find the resources you need for your \u02bbohana to thrive -from mortage to utilities and assistance programs.<\/p>\n<p>[\/et_pb_blurb][et_pb_button button_url=&#8221;http:\/\/hawaiiancouncil.org\/staging\/quiz&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;See if you qualify&#8221; button_alignment=&#8221;left&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;94ef7aca-dcd9-4f9d-93b2-efa3466cebc7&#8243; custom_button=&#8221;on&#8221; button_text_size=&#8221;14px&#8221; button_text_color=&#8221;#b64913&#8243; button_border_width=&#8221;1px&#8221; button_border_color=&#8221;#b64913&#8243; button_border_radius=&#8221;37px&#8221; button_font=&#8221;DM Sans|700||on|||||&#8221; custom_padding=&#8221;12px|22px|12px|22px|true|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|desktop&#8221; button_bg_color__hover=&#8221;#b64913&#8243; button_bg_enable_color__hover=&#8221;on&#8221; button_border_width__hover_enabled=&#8221;on|desktop&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#FFFFFF&#8221; button_border_width__hover=&#8221;1px&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Kilohana&#8221; image=&#8221;https:\/\/mllljc1ubsvr.i.optimole.com\/cb:zges.5da96\/w:auto\/h:auto\/q:mauto\/f:best\/http:\/\/hawaiiancouncil.org\/staging\/wp-content\/uploads\/2023\/10\/pexels-jess-loiterton-4321407.jpg&#8221; alt=&#8221;Kilohana Collective Thumbnail&#8221; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h3&#8243; body_font_size=&#8221;16px&#8221; body_line_height=&#8221;1.5em&#8221; use_background_color_gradient=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Kilohana is a collaborative of complementary change agents committed to fulfilling HTA\u2019s vision and specific directives.<\/p>\n<p>[\/et_pb_blurb][et_pb_button button_url=&#8221;https:\/\/www.hawaiitourismauthority.org\/media\/4286\/hta-strategic-plan-2020-2025.pdf&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;See HTA&#8217;s Strategic Plan&#8221; button_alignment=&#8221;left&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;94ef7aca-dcd9-4f9d-93b2-efa3466cebc7&#8243; custom_button=&#8221;on&#8221; button_text_size=&#8221;14px&#8221; button_text_color=&#8221;#b64913&#8243; button_border_width=&#8221;1px&#8221; button_border_color=&#8221;#b64913&#8243; button_border_radius=&#8221;37px&#8221; button_font=&#8221;DM Sans|700||on|||||&#8221; custom_padding=&#8221;12px|22px|12px|22px|true|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|desktop&#8221; button_bg_color__hover=&#8221;#b64913&#8243; button_bg_enable_color__hover=&#8221;on&#8221; button_text_color__hover=&#8221;#FFFFFF&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_border_width__hover_enabled=&#8221;on|desktop&#8221; button_border_width__hover=&#8221;1px&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Community Programs&#8221; image=&#8221;https:\/\/mllljc1ubsvr.i.optimole.com\/cb:zges.5da96\/w:auto\/h:auto\/q:mauto\/f:best\/http:\/\/hawaiiancouncil.org\/staging\/wp-content\/uploads\/2022\/08\/thumb_community-programs.jpg&#8221; alt=&#8221;Community Programs Thumbnail&#8221; _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h3&#8243; body_font_size=&#8221;16px&#8221; body_line_height=&#8221;1.5em&#8221; use_background_color_gradient=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Our community programs work with members of our community to develop the skills and resources needed to thrive.<\/p>\n<p>[\/et_pb_blurb][et_pb_button button_url=&#8221;\/programs&#8221; button_text=&#8221;Community Programs&#8221; button_alignment=&#8221;left&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;94ef7aca-dcd9-4f9d-93b2-efa3466cebc7&#8243; custom_button=&#8221;on&#8221; button_text_size=&#8221;14px&#8221; button_text_color=&#8221;#b64913&#8243; button_border_width=&#8221;1px&#8221; button_border_color=&#8221;#b64913&#8243; button_border_radius=&#8221;37px&#8221; button_font=&#8221;DM Sans|700||on|||||&#8221; custom_padding=&#8221;12px|22px|12px|22px|true|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|desktop&#8221; button_bg_color__hover=&#8221;#b64913&#8243; button_bg_enable_color__hover=&#8221;on&#8221; button_text_color__hover=&#8221;#FFFFFF&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_border_width__hover_enabled=&#8221;on|desktop&#8221; button_border_width__hover=&#8221;1px&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Join Our Community&#8221; image=&#8221;https:\/\/mllljc1ubsvr.i.optimole.com\/cb:zges.5da96\/w:auto\/h:auto\/q:mauto\/f:best\/http:\/\/hawaiiancouncil.org\/staging\/wp-content\/uploads\/2022\/08\/thumb_join-community.jpg&#8221; alt=&#8221;Membership Thumbnail&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h3&#8243; body_font_size=&#8221;16px&#8221; body_line_height=&#8221;1.5em&#8221; use_background_color_gradient=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Become a Hawaiian Council member to get the opportunity to join other k\u0101naka in lifting, empowering and inspiring our l\u0101hui.<\/p>\n<p>[\/et_pb_blurb][et_pb_button button_url=&#8221;https:\/\/www.memberplanet.com\/Groups\/GroupJoinLoginNew.aspx?ISPUB=true&#038;invitee=r1eb48693k3rp&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;Become a member&#8221; button_alignment=&#8221;left&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;94ef7aca-dcd9-4f9d-93b2-efa3466cebc7&#8243; custom_button=&#8221;on&#8221; button_text_size=&#8221;14px&#8221; button_text_color=&#8221;#b64913&#8243; button_border_width=&#8221;1px&#8221; button_border_color=&#8221;#b64913&#8243; button_border_radius=&#8221;37px&#8221; button_font=&#8221;DM Sans|700||on|||||&#8221; custom_padding=&#8221;12px|22px|12px|22px|true|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|desktop&#8221; button_bg_color__hover=&#8221;#b64913&#8243; button_bg_enable_color__hover=&#8221;on&#8221; button_text_color__hover=&#8221;#FFFFFF&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_border_width__hover_enabled=&#8221;on|desktop&#8221; button_border_width__hover=&#8221;1px&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#e0e0d9&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_direction=&#8221;203deg&#8221; background_color_gradient_stops=&#8221;#f7f7f7 0%|#e0e0d9 100%&#8221; background_image=&#8221;https:\/\/mllljc1ubsvr.i.optimole.com\/cb:zges.5da96\/w:auto\/h:auto\/q:mauto\/f:best\/http:\/\/hawaiiancouncil.org\/staging\/wp-content\/uploads\/2025\/08\/lashing-vert-01-scaled.png&#8221; border_radii=&#8221;on|45px|45px|45px|45px&#8221; border_width_all=&#8221;20px&#8221; border_color_all=&#8221;#FFFFFF&#8221; global_module=&#8221;1203&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;|401px||auto||&#8221; custom_padding=&#8221;|1px||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;DM Serif Display||||||||&#8221; text_text_color=&#8221;#b64913&#8243; text_font_size=&#8221;2em&#8221; text_letter_spacing=&#8221;0.5px&#8221; text_line_height=&#8221;1.5em&#8221; header_2_text_align=&#8221;center&#8221; header_2_font_size=&#8221;3em&#8221; text_orientation=&#8221;center&#8221; width=&#8221;100%&#8221; max_width=&#8221;900px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;|-97px||86px||&#8221; custom_padding=&#8221;|||0px||&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;1.6em&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<span style=\"color: #b64913;\">Questions regarding our programs and services?<\/span><\/p>\n<p><span style=\"color: #b64913;\">Call us at 808-596-8155<\/span>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your financial future is within reach \u2014 and we\u2019re here to help you get there.Building your credit is one of the most important steps toward stability and independence. A credit score isn\u2019t just a number \u2014 it can affect your ability to rent a home, secure reliable transportation, and even get a job. &nbsp; This [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<div style=\"transform: rotate(0deg);\">\r\n<h1 class=\"font_0\" style=\"font-size: 100px; text-align: center;\"><span style=\"font-family: oswald-medium, oswald, sans-serif; letter-spacing: -0.05em;\">OUR COMMUNITY<\/span><\/h1>\r\n<\/div>\r\n<div style=\"transform: rotate(0deg);\">\r\n<h1 class=\"font_0\" style=\"font-size: 20px; text-align: center;\"><span style=\"letter-spacing: 0.3em;\"><span style=\"font-size: 20px;\"><span style=\"font-family: montserrat,sans-serif;\">JOIN THE CNHA\u00a0MEMBERSHIP<\/span><\/span><\/span><\/h1>\r\n<\/div>\r\n<div style=\"transform: rotate(0deg);\">\r\n<div><iframe src=\"https:\/\/youtu.be\/j1WunhEBOhI\" width=\"792\" height=\"446\"><\/iframe><\/div>\r\n<\/div>\r\n<div style=\"transform: rotate(0deg);\">\r\n<p class=\"font_7\" style=\"font-size: 16px; line-height: 1.4em;\"><span style=\"letter-spacing: normal;\"><span style=\"font-size: 16px;\"><span style=\"font-family: montserrat,sans-serif;\">By becoming a CNHA member, you get the opportunity to join other k\u0101naka in lifting, empowering and inspiring our l\u0101hui! \u00a0\u02bbA\u02bbohe hana nui ke alu \u02bbia \u2013 No task is too big when done together by all.\u00a0 As a growing member-based nonprofit, our goal is to connect our l\u0101hui through partnerships, networking and collaborations in order to advance the Native Hawaiian community.\u00a0 We hope you will consider coming alongside us in this journey in order to IMUA e ka l\u0101hui!<\/span><\/span><\/span><\/p>\r\n<p class=\"font_7\" style=\"font-size: 16px; line-height: 1.4em;\"><span style=\"letter-spacing: normal;\"><span style=\"font-size: 16px;\"><span style=\"font-family: montserrat,sans-serif;\"><span class=\"wixGuard\">\u200b<\/span><\/span><\/span><\/span><\/p>\r\n<p class=\"font_7\" style=\"font-size: 16px; line-height: 1.4em; text-align: center;\"><span style=\"letter-spacing: normal;\"><span style=\"font-size: 16px;\"><span style=\"font-family: montserrat,sans-serif;\">For any questions, please contact us via email at <a href=\"mailto:membership@hawaiiancouncil.org\">membership@hawaiiancouncil.org<\/a><\/span><\/span><\/span><\/p>\r\n\r\n<\/div>\r\n<div style=\"transform: rotate(0deg);\">\r\n<div><button style=\"background-color: #091b68; border: #545454; border-radius: 0px; transform: rotate(0deg);\"><spanstyle=\" background-color:#FFFFFF; font:normal normal 700 16px\/1.4em montserrat;\">Become a Member<\/button><\/div>\r\n<\/div>\r\n<div style=\"transform: rotate(0deg);\">\r\n<div><button style=\"background-color: #e4ab00; border: #545454; border-radius: 0px; transform: rotate(0deg);\"><spanstyle=\" background-color:#FFFFFF; font:normal normal 700 16px\/1.4em montserrat;\">Renew Membership<\/button><\/div>\r\n<\/div>\r\n<div style=\"transform: rotate(0deg);\"><\/div>\r\n<div style=\"transform: rotate(0deg);\">\r\n<div><button style=\"transform: rotate(0deg);\"><spanstyle=\"\">Become a Member<\/button><\/div>\r\n<\/div>\r\n<div style=\"transform: rotate(0deg);\">\r\n<div><button style=\"transform: rotate(0deg);\"><spanstyle=\"\">Become a Member<\/button><\/div>\r\n<\/div>\r\n<div style=\"transform: rotate(0deg);\">\r\n<div><button style=\"transform: rotate(0deg);\"><spanstyle=\"\">Become a Member<\/button><\/div>\r\n<\/div>\r\n<div style=\"transform: rotate(0deg);\">\r\n<div><button style=\"transform: rotate(0deg);\"><spanstyle=\"\">Become a Member<\/button><\/div>\r\n<\/div>\r\n<div style=\"transform: rotate(0deg);\">\r\n<p class=\"font_7\" style=\"font-size: 20px; text-align: center;\"><span style=\"font-size: 20px;\">* Services provided to CNHA members at a discounted rate.<\/span><\/p>\r\n<p class=\"font_7\" style=\"font-size: 20px; text-align: center;\"><span style=\"font-size: 20px;\">** Limited space available<\/span><\/p>\r\n\r\n<\/div>","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"class_list":["post-41518","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/hawaiiancouncil.org\/staging\/wp-json\/wp\/v2\/pages\/41518","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hawaiiancouncil.org\/staging\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/hawaiiancouncil.org\/staging\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/hawaiiancouncil.org\/staging\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/hawaiiancouncil.org\/staging\/wp-json\/wp\/v2\/comments?post=41518"}],"version-history":[{"count":10,"href":"https:\/\/hawaiiancouncil.org\/staging\/wp-json\/wp\/v2\/pages\/41518\/revisions"}],"predecessor-version":[{"id":42394,"href":"https:\/\/hawaiiancouncil.org\/staging\/wp-json\/wp\/v2\/pages\/41518\/revisions\/42394"}],"wp:attachment":[{"href":"https:\/\/hawaiiancouncil.org\/staging\/wp-json\/wp\/v2\/media?parent=41518"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}