Wondering... “Where can I find a personal loan if I have bad credit, near me in Hawaii?"

Likely, right here! 188 locations to see. American Savings Bank - Hanapepe, HI, Kauai Community Federal Credit Union - Eleele, HI, Hawaiian Tel Federal Credit Union - Mililani, HI, Hawaii National Bank - Kihei, HI, Hawaii Community Federal Credit Union - Kapaau, HI, Kauai Teachers Federal Credit Union - Lihue, HI, and many more are located near you. Locations, contact information, hours and more here in Hawaii. Detailed bad credit personal loan information below.

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Personal Loans in HI
$1,000 to $40,000 - Credit Score 650+
Payday Loans in HI
Up to $1,000 – Credit Score NA

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 Personal Loan for Bad Credit Lending Regulator (HI)

Regulating Authority
Division of Financial Institutions Department of Commerce and Consumer Affairs
King Kalakaua Building
335 Merchant Street, Room 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


Personal Loan for Bad Credit Lenders (HI) by City

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 personal loan for their unique circumstances in these situations since 2006. Join the millions of consumers that have been approved by the personal 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 personal 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 personal loan that best meets your needs in moments.

Hawaii Debt Relief, Financial Counseling, and Consumer Credit Information

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Hawaii Personal Loan for Bad Credit Laws and Regulations in (HI)

(last updated 11/17/2019)

This information constitutes informal guidelines only and do not constitute legal advice or rules by DFI. Since DFI neither administers nor interprets Chapter 478, a lender needing assistance in understanding any provisions of this law should consult an attorney.

The State’s laws on Interest and Usury are codified in Chapter 478, Hawaii Revised Statutes (“HRS”) (hereafter “Chapter 478”). A lender desiring to make a loan in this State should review and understand Chapter 478 in order to determine the maximum allowable interest rate it may charge for a particular loan or type of loan transaction, and to determine whether the loan is exempt from the application of Chapter 478. DFI administers and interprets the Code of Financial Institutions, codified in Chapter 412, HRS (“Chapter 412”). Generally, financial institutions regulated under Chapter 412 are subject to Chapter 478’s interest rate limitations, as follows: With respect to a “consumer credit”1 transaction (except a credit card agreement) or a “home business loan”2 , a financial institution regulated under Chapter 412, other than a trust company or credit union, may stipulate by written contract, either: For any rate of simple interest not exceeding two percent per month or 24 percent per year; or For a finance charge in any form at an annual percentage rate not exceeding 24 percent.

(See, Sections 478-4(a) and -4(b), HRS) The foregoing rate limitations do not apply to credit transactions authorized for financial services loan companies licensed under Article 9 of Chapter 412, and for credit unions chartered under Article 10 of Chapter 412. (See, Section 478-4(d), HRS) In addition, certain types of transactions are exempt from the laws on Interest and Usury, as set forth in Section 478-8, HRS. One of these exemptions is for indebtedness which is secured by a first mortgage lien on real property. Thus, any lender’s first mortgage loans are not subject to the interest rate limitations of Chapter 478. As a result of this exemption, a mortgage lender whose lending activities with Hawaii borrowers are limited to first mortgage loans only, may not be subject to licensing requirements under Chapter 412.

Another exemption from the application of Chapter 478 is for mortgage loans made in accordance with alternative mortgage loan rules that may be adopted by the Commissioner of the DFI pursuant to Section 412:2-108, HRS. Alternative mortgage loans include “reverse annuity” and “graduated payment” mortgage loans.

1. “Consumer credit” means credit extended to a natural person primarily for a personal, family, or household purpose: (1) In which the principal amount does not exceed $250,000 or in which there is an express written commitment to extend credit in a principal amount not exceeding $250,000; or (2) Such credit is secured by real property or by personal property used or expected to be used as the borrower’s principal dwelling. (Section 478-1, HRS)

2. “Home business loan” means a credit transaction (1) in which the principal amount does not exceed $250,000 or in which there is an express written commitment to extend credit in a principal amount not exceeding $250,000, (2) which is not a consumer credit transaction; and (3) which is secured by a mortgage of the principal dwelling of any natural person who is a mortgagor named in the mortgage given as security in connection with the credit transaction. (Section 478-1, HRS) 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.