FINANCING

The Best Financing Selection in Hawaii

View Our Financing Partners

Owning your own home in Hawaii doesn’t have to stay a dream. At Aloha Tiny Hales, we believe everyone deserves a path to sustainable, affordable living, and we’ve done the legwork to connect you with the best financing options available across the islands and nationwide.

Whether you’re purchasing your first tiny home, adding an accessory dwelling unit (ADU) to your land, or investing in off-grid living, we’ll guide you through every step. Our homes are built to last and priced to make sense, your lender will agree.

Owning your own home in Hawaii doesn’t have to stay a dream. At Aloha Tiny Hales, we believe everyone deserves a path to sustainable, affordable living, and we’ve done the legwork to connect you with the best financing options available across the islands and nationwide.

Whether you’re purchasing your first tiny home, adding an accessory dwelling unit (ADU) to your land, or investing in off-grid living, we’ll guide you through every step. Our homes are built to last and priced to make sense, your lender will agree.

How It Works

  1. Explore your options. Browse the lending partners on this page and get a sense of what loan type fits your situation — personal loan, home loan, or a government-backed program.
  2. Get pre-qualified. Most lenders offer a quick, no-impact pre-qualification check online. This gives you a realistic budget before you fall in love with a model.
  3. Choose your home. Once you know your budget, browse our Tiny Homes lineup and pick the floor plan, size, and finishes that fit your life.
  4. Secure your build slot with a deposit. A small deposit locks in your place in our build queue and kicks off the process. See the deposit link below.
  5. We handle the rest. Our team walks alongside you from contract to completion — permits, delivery, and setup included.

FINANCING PARTNERS

Trusted lenders — from personal loans to government programs

 

Personal Loans — Up to $100k

LightStream — A division of Truist Bank, LightStream specializes in tiny house loans with no collateral required and same-day funding available. Up to $100k.

SoFi — A top online lender offering unsecured personal loans with no origination fees and competitive rates. Up to $100k.


Personal Loans — Up to $50k

Upgrade — Fast online personal loans with fixed rates and a simple application process. Up to $50k.

Best Egg — Straightforward personal loans with fast approval decisions. Up to $50k.

Hawaii State FCU — A local Hawaii credit union offering competitive rates and personalized service right here in the islands. Up to $50k.


Home Loans — $400k+

Bank of Hawaii — Hawaii’s leading local bank with home and land loan programs, ideal for placing your tiny hale on your own property. $400k+.

First Hawaiian Bank — One of Hawaii’s most trusted institutions with home loan programs built for island buyers. $400k+.


Government Program

USDA Rural Development Loan — A federally backed program offering 0% down payment loans for low-to-moderate income buyers in eligible areas of Hawaii. One of the most affordable paths to homeownership available.

CONTACT INFO.

Wailuku, HI 96793

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