Land and Lot Loans in Hawaiʻi
Buy the lot now, build or entitle later. Private financing for raw and improved land.
- No credit minimum
- Same-day quote
- Close in days
- All six islands
The Old King Kalākaua Building · 1407 Kalākaua Avenue, Honolulu · Open 7 days a week by appointment
- Leverage
- Typically 50% of land value
- Rate
- About 12% a year (1% a month), interest only
- Term
- 6 to 24 months
- Zoning
- Residential, agricultural, rural
- Exit
- Construction loan, sale or refinance
- Convert
- Roll into a construction loan
Land and Lot Loans in Hawaiʻi, explained
Banks rarely lend on Hawaiʻi land, and when they do it is slow and conservative. We finance lots and acreage so you can secure the parcel while you design, permit and line up construction.
Land loans convert cleanly into our construction loans once you are ready to build. We lend at 50% loan-to-value as a standard and go higher when the project justifies it. Interest-only payments at roughly 1% per month. No credit minimum, no W-2s, no bank statements to get a quote.
How a land and lot loan works with us
Submit the parcel
TMK, zoning, access, utilities and your plan for the land.
Valuation
We evaluate comparable land sales and development potential.
Close
Fund the purchase or refinance an owned lot.
Build or sell
Convert to construction financing or sell the entitled lot.
Land and Lot Loans on every Hawaiian island
Each island has its own comps, permitting cadence and buyer pool. Pick yours for local detail.
Land and Lot Loans: questions we hear most
Straight answers. If yours is not here, call 808-523-2000 and talk to a decision maker.
Do you lend on agricultural land?
Yes. Ag-zoned parcels with legal access and a realistic use plan qualify.
Can a land loan become a construction loan?
Yes. We structure many land loans with a planned conversion to construction financing.
Related loan programs
Hard Money Loans
Asset-based real estate loans funded by a private Honolulu lender. The property qualifies the loan.
ExploreBridge Loans
Close now, refinance later. Up to 70% LTV while your long-term financing or sale catches up.
ExploreConstruction Loans
Ground-up builds, major renovations and ADUs, funded in draws as work is inspected.
ExploreGet a same-day quote on your land and lot loan
Two minutes. No credit pull, no documents. Get an instant estimate and a same-day quote from a lender that actually closes in Hawaiʻi.