Part-Time Farmer




A Part-Time Farmer is a person of proven farming ability who:

  • Is a citizen of the United States who has resided in the State of Hawaii for the preceding three years, or any permanent resident alien who has resided in the State of Hawaii for the preceding three years; and
  • Has been operating the person’s own farm for at least two years on land owned by the person in fee or on land rented or leased from others; and
  • Is presently devoting a portion of the person’s time to farming; and
  • Derives between twenty-five to fifty per cent of the person’s net cash income from direct participation in farming in its broadest sense; and
  • Is a sound credit risk with the ability to repay the money borrowed; and
  • Is willing to carry out recommended farm management practices.


Interest Rate: Fixed at 1% below the prime rate or at 7-1/2% per annum whichever is less. The prime rate is set twice a year, on January 1st and July 1st of each year.

Amount: $25,000

  • The purchase, construction, and improvement of farm production and/or growing structures; and
  • The purchase of farm equipment and/or livestock; and
  • The payment of production and marketing expenses, including materials, labor, and services.

Maximum Term: 10 years

Restrictions: The liquidation of indebtedness incurred for any of the above purposes and for living expenses shall not be authorized purposes.


Loan applications may be obtained from any Agricultural Loan Division Office. Loan Officers are available to provide assistance and guidance on the loan process. In order to be eligible for a direct loan, applicants must be denied credit from two lenders, which include banks, savings and loan associations, credit unions, mortgage loan companies, the Farm Credit System and/or the U.S. Department of Agriculture.

As part of the application process, aspects such as repayment ability, collateral, capital, economic and/or environmental conditions, and historic performance will be taken into consideration. Acceptable applications may be approved by the Chairperson of the Board of Agriculture.

For more information, call or visit one of our offices.

1428 South King Street
Honolulu, Hawaii 96813
Telephone: (808) 973-9460

Hawaii Island:

  • Hilo:
    75 Aupuni Street, #104
    Hilo, Hawaii 96720
    Telephone: (808) 933-9977
  • Kona Civic Center
    82-6130 Mamalahoa Highway
    Captain Cook, Hawaii 96704
    Telephone: (808) 323-7591

Kauai: Telephone: 274-3141, extension 39460 (Toll Free)

Maui: Telephone: 984-2400, extension 39460 (Toll Free)

Molokai: Telephone: 1-800-468-4644, extension 39460 (Toll Free)