President's Message

Finance Factors – Thankful, Committed, and Enthusiastic

Finance Factors continues to honor our past, fulfill our commitments, and strive for the future. From our humble beginnings in 1952, when a small group of Honolulu businessmen pooled their monies to form a loan company to specialize in the newly developing field of consumer finance, Finance Factors has grown into Hawaii’s largest locally-owned depository financial services loan company. Thank you to our customers, business partners, employees and board of directors for nurturing and sustaining our growth and accomplishments.

Today, Finance Factors is a niche real estate lender, specializing in residential conforming and non-conforming, and commercial properties. Finance Factors also offers some of the best rates on certificates of deposit and savings accounts, with deposits insured by the FDIC.

Finance Factors knows that the personal relationships we build with our customers drive loyalty and retention, and are vital to our success. We understand that the key to our company is to remain customer-focused, offering products that are competitively priced, incorporating technology to enhance convenience and efficiency for borrowers, and delivering excellent customer service.

Finance Factors is committed to sustaining our progress by reinforcing the core strengths of our business and taking advantage of new opportunities to improve our retail, wholesale and specialty loan divisions. Internally, we continue to prioritize our people with employee training that help to sustain top quality customer service. Externally, Finance Factors continues to deepen our commitment to our customers, friends and neighbors with philanthropic efforts.

Finance Factors will strive to maintain and go beyond our success as the state’s leading niche real estate lender. We are proud to move forward with improvements to our delivery channels and enhancements to customer convenience, bringing personal attention and excellent service to all aspects of our business.

As always, please email us or call us on Oahu at 522-2000 or toll-free at 1 (800) 648-7136 with your questions and comments.

With warmest regards,
Steve Teruya


Steven J. Teruya
President & COO
Finance Factors, Ltd.

For more information about Finance Factors, we invite you to view our 2018 Statement Of Financial Condition as of December 31, 2018.

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