Hawaii Payday Loan Laws and Regulations in (HI)

(last updated 01/02/2018)
Payday loans and cash advances are legal in Hawaii. The Division of Financial Institutions Department of Commerce and Consumer Affairs has been regulating Payday Loans and Cash Advances since 1999. As of 09/15/2015 there were 45 licensed lenders and 46 licensed locations in Hawaii.
 
The maximum payday loan allowed in Hawaii is 600. The maximum payday loan as a percentage of income is not specified. The number of loans that can be open at one time is 1. The maximum permissible fees allowed in Hawaii is $17.65 for a 14 day $100 loan which is an APR of 459%. The cooling off or waiting period for obtaining another loan is not specified days. The number of rollovers that are permitted is 0 (cannot refinance or consolidate). The minimum loan term is not specified. The maximum loan term is 32 days.
 
This information is for informational purposes only. Although care has been taken to accurately describe the laws and regulations in Hawaii, no guarantees are implied or expressed about its accuracy. This is not legal advice. If you need legal advice, please consult an attorney or the Division of Financial Institutions Department of Commerce and Consumer Affairs.
 
The following classes of lending organizations may be exempt from some, all, or none of the regulations and laws set by the state of Hawaii. Federally chartered banks, state chartered banks, credit unions and some entities organized under the laws of a sovereign nation (for example) a Native American Tribe or the country of Antigua.

Hawaii Payday Lending Regulator (HI)

Regulating Authority
Division of Financial Institutions Department of Commerce and Consumer Affairs
King Kalakaua Building
335 Merchant Street, Rm. 221
Honolulu, HI 96813
(808) 586-2820, (800)394-1902
cca.hawaii.gov/dfi/

Agency for Handling Complaints
Division of Financial Institutions
Department of Commerce and Consumer Affairs
P.O. Box 2054
Honolulu , HI 96805
(808) 586-2820, (800)394-1902
cca.hawaii.gov/dfi/file-a-complaint/

 


Related Hawaii Loan Programs

Personal Loans for Bad Credit in HI
$500 to $5,000 - Credit Score Less Than 650
 
Personal Loans in HI
$1,000 to $35,000 - Credit Score 650+
 
Small Business Loans in HI
$2,000 - $500,000 - All Credit Welcome


Positive Thumbs Up Best Payday Loan Tips


Tips for finding the Best Payday Loans.

Payday Loan Application


Apply for a Payday Loan in HI
Flag of the State of Hawaii During another afternoon rain shower, you make a quick stop by the house to grab your beach bag so you can head down to the beach for the afternoon. You step in a puddle in your bedroom- the roof has sprung a leak. Living in paradise can be expensive, especially if there is a sudden price increase on daily expenses, like groceries, or if your air conditioner suddenly breaks down. Unforeseen expenses are a part of life.

We Give Loans has been helping people to be paired with the right payday loan for their unique circumstances in these situations since 2006. Join the millions of consumers that have been approved by the payday loan source or sources that fit their individual situations. We Give Loans offers a no cost, no obligation service with access to more than 1,120 payday loan sources. Perfect credit, average credit, bad credit, and even no credit are okay. Fill out our short form now, and using our unique consumer-to-lender pairing service, we can match you with the payday loan that best meets your needs in moments.

 

Hawaii Payday Loans (HI) by City

Aiea
East Honolulu
Ewa
Ewa Gentry
Haiku-Pauwela
Halawa
Honolulu
Kailua
Kalaoa
Kihei
Koolauloa
Koolaupoko
Maili
Makakilo
Makakilo City
Makawao
Mililani Mauka
Nanakuli
Napili-Honokowai
North Kohala
Pearl City
Pukalani
South Kona
Urban Honolulu
Village Park
Wahiawa
Waianae
Waikele
Waimalu

Hawaii Debt Relief, Financial Counseling, and Consumer Credit Information


If you would like to look into the possible benefits of these services, National Debt Relief - Whom Offers a Free Debt Relief Quote is a leading provider of financial counseling services in Hawaii.