Hawaii Payday Loan Laws and Regulations in (HI)

(last updated 11/13/2019)
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

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


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Hawaii Payday Lenders (HI) by City

East Honolulu
Ewa Gentry
Makakilo City
Mililani Mauka
North Kohala
Pearl City
South Kona
Urban Honolulu
Village Park

Hawaii Debt Relief, Financial Counseling, and Consumer Credit Information

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