Bankoh Personal Loan for Homeowners
Quick access to funds.
Get a higher loan amount at a low rate
As a homeowner, you could obtain a personal homeowner loan that gives you a higher loan amount at a low rate. Since your home is not used as collateral, you can quickly and easily access funds to make repairs and improvements without closing costs. You’ll also have the option to pay over an extended period (up to 72 months), which allows you to manage your budget with lower monthly payments.
Bankoh Personal Loan for Homeowners
| Interest Rate Range1 |
|
Estimated APR Range2 |
|
Estimated Monthly Payment Range | |
|---|---|---|---|---|---|
|
24 Month |
9.50% - 10.50% |
10.478% - 11.481%3 |
$231.83 - $234.165 |
||
|
36 Month |
9.50% - 10.50% |
10.176% - 11.180%3 |
$161.75 - $164.125 |
||
|
48 Month |
10.50% - 11.50% |
11.025% - 12.028%4 |
$129.29 - $131.746 |
||
|
60 Month |
10.50% - 11.50% |
10.931% - 11.935%4 |
$108.54 - $111.066 |
||
|
72 Month |
10.50% - 11.50% |
10.867% - 11.872%4 |
$94.83 - $97.426 |
1 Interest rate is based on individual’s credit report and term selected.
2 Estimated Annual Percentage Rate (“APR”) range as of 11/17/2025 is based on 30 days before first payment. Rates and terms subject to change without notice.
3 Estimated APR range is based on the interest rate range of 9.50% - 10.50%, a loan amount of $5,050, and a loan fee of $50.
4 Estimated APR range is based on the interest rate range of 10.50% - 11.50%, a loan amount of $5,050, and a loan fee of $50.
5 Estimated monthly payment range based on a $5,050 fully amortized loan for the term indicated, at an interest rate range of 9.50% - 10.50%. Your minimum monthly payment may differ based on your approved loan amount and APR.
6 Estimated monthly payment range based on a $5,050 fully amortized loan for the term indicated, at an interest rate range of 10.50% - 11.50%. Your minimum monthly payment may differ based on your approved loan amount and APR.
Ready to apply?
3 easy steps to get started
Tell us about yourself
Submit your application
Provide additional information as needed
Completing your application
Select “Personal Loan for Homeowners” as the loan type on the application.
Please gather the following items for all applicants:
- Valid email address
- Social Security number (or tax identification number)
- Current paystubs for the most recent 30-day period
- IRS Form W2 for the last 2 years
- Federal personal income tax returns for the last 2 years (or business tax returns for self-employed)
Requirements for all applicants:
- 18 years or older
- Own residential real estate in Hawaii or Guam*
Important considerations:
- A $50 loan fee will be financed as a part of your total loan amount. When inputting your loan amount, you will receive your approved loan amount, less $50.
- To protect your personal information, you will receive a timeout warning after 15 minutes of inactivity.
- To apply online you must consent to sign your loan documents electronically via electronic signature. If you prefer to sign your loan documents in person, please visit any Bank of Hawaii branch to submit your application.
* Property ownership will be verified after application is submitted.
Already applied?
Call 1-888-643-3888 to check your status.
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