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Best Personal Loans Good and Bad Credit Hawaii, Payday Laws of November 2025

ElitePersonalFinance
Last Update: December 1, 2024 • Loans By State •
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Citing Article 9 of Hawaii’s Code of Financial Institutions, licensed lenders are required to cap consumer loans at $25,000.

For precomputed loans, interest rates are capped at 14% per year for the first 18 months, 10.5% per year for the next 12 months, 7% per year for the following 12 months, and 4% per year for the last 6 months. Rates apply to loans with terms of 48 months or less. When terms exceed 48 months, lenders can levy excess finance charges if the annual APR does not exceed 24%.

For simple interest loans, APRs are capped at 24%, regardless of the term.

Licensed lenders can also charge:

  • A late payment fee of up to 5% of the unpaid balance.
  • Prepayment fees under certain conditions.
  • Rollover fees under certain conditions.

To operate in the state, licensed lenders also have to pay an annual fee of $50.

Best Bad Credit Loans in Hawaii of November 2025

Apply Now
Amount:

$100 - $15,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 72 Months
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$1,000 - $50,000
Min. Credit Score:

300
APR:

5.6% - 35.99%
Approval:

5 Minutes
Terms:

3 - 5 Years
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$100 - $40,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$100 - $15,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$100 - $40,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$200 - $5,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

< 1 Day
Terms:

12 - 120 Months
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$1,000 - $35,000
Min. Credit Score:

580
APR:

5.99% - 35.99%
Approval:

< 1 Day
Terms:

90 Days - 72 Months
Licensed in Hawaii:

Yes
Get started

For more information, see our guide on bad credit loans.

Best Personal Loans for Good Credit in Hawaii of November 2025

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

4.99 - 35.99%
Approval:

1 Day
Terms:

12 - 120 months
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$2,000 - $40,000
Min. Credit Score:

640
APR:

7.95% - 35.99%
Approval:

1 - 3 Days
Terms:

36 - 60 months
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$1,000 – $100,000
Min. Credit Score:

0
APR:

4.99 - 35.99%
Approval:

1 Day
Terms:

12 - 120 months
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$1,000 – $35,000
Min. Credit Score:

580
APR:

5.99% – 35.99%
Approval:

< 1 Day
Terms:

90 Days – 72 Months
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$1,000 – $50,000
Min. Credit Score:

500
APR:

3.99% – 35.99%
Approval:

< 1 Day
Terms:

1 – 5 Years
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$1,000 – $50,000

Min. Credit Score:

600
APR:

7.99% - 35.97%
Approval:

< 1 Day
Terms:

3 - 5 Years
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$5,000 – $35,000
Min. Credit Score:

640
APR:

5.99% – 24.99%
Approval:

1 – 7 Days
Terms:

2 - 5 Years
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$2,500-$35,000
Min. Credit Score:

660
APR:

6.99-24.99%
Approval:

1 Day
Terms:

24 - 84 Months
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$7,500 - $40,000
Min. Credit Score:

680
APR:

6 - 15%
Approval:

1 - 7 Days
Terms:

36 - 84 months
Licensed in Hawaii:

Yes
Get started

Payday Loan Laws in Hawaii of November 2025

Maximum Loan Amount: $600

Minimum Loan Term: Not specified

Maximum Loan Term: 32 days

Maximum Fee: 15% of the loan; up to $17.65 per $100

Maximum APR: 460%

Rollovers: Prohibited

Loan Limit: You can only have one payday loan at a time

Payday loans are legal in Hawaii.

Under the Deferred Deposit Act, loans are capped at $600, and finance charges are capped at 15% of the loan’s face value. Over a 14-day period, APRs can reach nearly 460%. Over a 32-day period, APRs can reach 201%.

To operate legally, licensed lenders are also required to provide the following notices:

A notice that sets forth:

  • The fees charged for cashing a check, selling or issuing a money order, and the initial issuance of any membership or identification cards.
  • That consumer complaints about the check cashing business may be filed with the department of commerce and consumer affairs and include and identifies the telephone number of the consumer information service of the department of commerce and consumer affairs.

Provide written notice to each customer of the fees charged for cashing checks that are separate from and in addition to any posted notice;

Obtain a written acknowledgment from the customer that written notice of the fees charged for cashing checks was provided; and

Provide each customer a receipt with all fees.

Payday Loan Laws in Hawaii by Country of November 2025

ElitePersonalFinance analysis of payday loan laws by countries in the State of Hawaii.

We haven’t found a significant difference between the payday loan laws in Hawaii. If you are with bad credit, here are the laws in Hawaii by country.

City: Amount Allowed: APR Allowed: Status:
Urban Honolulu $600 460% Legal
East Honolulu $600 460% Legal
Hilo $600 460% Legal
Pearl City $600 460% Legal
Waipahu $600 460% Legal
Kailua CDP $600 460% Legal
Kaneohe $600 460% Legal
Kahului $600 460% Legal
Mililani Town $600 460% Legal
Ewa Gentry $600 460% Legal
Kihei $600 460% Legal
Kapolei $600 460% Legal
Makakilo $600 460% Legal
Mililani Mauka $600 460% Legal
Schofield Barracks $600 460% Legal
Wahiawa $600 460% Legal
Wailuku $600 460% Legal
Kailua $600 460% Legal
Ewa Beach $600 460% Legal
Halawa $600 460% Legal
Royal Kunia $600 460% Legal
Waianae $600 460% Legal
Ocean Pointe $600 460% Legal
Waimalu $600 460% Legal
Lahaina $600 460% Legal
Nanakuli $600 460% Legal
Waimea $600 460% Legal
Kalaoa $600 460% Legal
Waipio $600 460% Legal
Hawaiian Paradise Park $600 460% Legal
Kaneohe Station $600 460% Legal
Maili $600 460% Legal
Kapaa $600 460% Legal
Aiea $600 460% Legal
Hickam Housing $600 460% Legal
Holualoa $600 460% Legal
Waihee-Waiehu $600 460% Legal
Makaha $600 460% Legal
Ahuimanu $600 460% Legal
Haiku-Pauwela $600 460% Legal
Pukalani $600 460% Legal
Makawao $600 460% Legal
Kula $600 460% Legal
Lihue $600 460% Legal
Napili-Honokowai $600 460% Legal
Ewa Villages $600 460% Legal
Waikele $600 460% Legal
Waikoloa Village $600 460% Legal
Waimanalo $600 460% Legal
Laie $600 460% Legal
Wailua Homesteads $600 460% Legal
Wailea $600 460% Legal
Waipio Acres $600 460% Legal
Hanamaulu $600 460% Legal
Kalaheo $600 460% Legal
West Loch Estate $600 460% Legal
Hawaiian Ocean View $600 460% Legal
Hawaiian Beaches $600 460% Legal
Heeia $600 460% Legal
Pupukea $600 460% Legal
Kahaluu $600 460% Legal
Whitmore Village $600 460% Legal
Haleiwa $600 460% Legal
Kahaluu-Keauhou $600 460% Legal
Captain Cook $600 460% Legal
Puhi $600 460% Legal
Waimanalo Beach $600 460% Legal
Kaunakakai $600 460% Legal
Waialua $600 460% Legal
Iroquois Point $600 460% Legal
Hauula $600 460% Legal
Waikapu $600 460% Legal
Kekaha $600 460% Legal
Ainaloa $600 460% Legal
Mountain View $600 460% Legal
Volcano $600 460% Legal
Orchidlands Estates $600 460% Legal

Car Title Loans in Hawaii of November 2025

Car title loans are illegal in Hawaii.

Despite that, online lenders still find ways to offer the product.

Alternative Payday Loans in Hawaii of November 2025

When personal loans aren’t an option, alternative lenders are there to fill the void.

OppLoans is a licensed alternative lender in Hawaii that partners with FinWise Bank. A member of the Federal Deposit Insurance Corporation (FDIC), FinWise is responsible for approving and underwriting loans, while OppLoans manages collections.

Typical loans in Hawaii range from $500 to $4,000 and come with average APRs of 160%. Terms usually range from 9 to 18 months.

Best Auto Loans for Bad Credit in Hawaii of November 2025

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$8,000 - $100,000
Min. Credit Score:

500
APR:

2.74% - 27%
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

500
APR:

From 3.09%
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$250 - $500,000
Min. Credit Score:

640
APR:

2.99% - 21.99%
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$1,500 - $20,000
Min. Credit Score:

0
APR:

18.00% - 35.99%
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$1,000 - $45,000
Min. Credit Score:

0
APR:

From 0.99%
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$1,000 - $35,000
Min. Credit Score:

0
APR:

From 1.99%

Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$7,500 - $50,000
Min. Credit Score:

500
APR:

From 3.39%
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$5,000 – $55,000
Min. Credit Score:

510
APR:

3.99% - 24.99%
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

3.90% - 27.90%
Licensed in Hawaii:

Yes
Get started

Best Auto Loans for Good Credit in Hawaii of November 2025

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

500
APR:

From 3.09%
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$250 - $500,000
Min. Credit Score:

640
APR:

2.99% - 21.99%
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$5,000-$100,000
Min. Credit Score:

660
APR:

4.99% to 9.19%
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$7,500 - $50,000
Min. Credit Score:

500
APR:

From 3.39%
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$8,000 - $100,000
Min. Credit Score:

500
APR:

2.74% - 27%
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

3.90% - 27.90%
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$3,000 - $100,000
Min. Credit Score:

650
APR:

From 3.12%
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$5,000 - $100,000
Min. Credit Score:

640
APR:

From 3.54%
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$5,000 – $55,000
Min. Credit Score:

510
APR:

3.99% - 24.99%
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$5,000 - $100,000
Min. Credit Score:

600
APR:

3.54% - 10.24%
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$1,500 - $20,000
Min. Credit Score:

0
APR:

18.00% - 35.99%
Licensed in Hawaii:

Yes
Get started

Credit Unions in Hawaii of November 2025

Name: APR: Amount:
HawaiiUSA Federal Credit Union 5.25% – 18% $30,000+
Hawaii State Federal Credit Union 5.00% – 18% Up to $50,000

HawaiiUSA Federal Credit Union

Until August 31, 2019, HawaiiUSA Federal Credit Union offers promotional APRs as low as 2.49% for its personal loans. You need to borrow at least $1,000, but loans can be used for nearly any reason.

Typical APRs look like this:

  • 12 Months: as low as 5.25%.
  • 24 Months: as low as 5.75%.
  • 36 Months: as low as 6.25%.
  • 48 Months: as low as 6.50%.
  • 60 Months: as low as 7.25% or a promotional APR as low as 6.25% on loans ≥ $10,000.
  • 72 Months: as low as 7.75% on loans ≥ $20,000.

As a secondary product, the HawaiiUSA Signature Line of Credit allows you to borrow up to $30,000 with a variable APR of 6.75%. Variable rates also adjust each January.

HawaiiUSA operates 14 branches across the state, located in Aiea, Honolulu, Kaneohe, Mililani, etc.

Hawaii State Federal Credit Union

Like HawaiiUSA, Hawaii State Federal Credit Union offers promotional APRs for its personal loans until August 31, 2019. If you borrow a minimum of $500, you may qualify for their 1-year special APR of 2.99%. However, without setting up automatic payments from your Hawaii State checking account, the APR will be 0.25% higher and may require higher monthly payments.

Typical personal loans offer up to $50,000, and APRs are structured by term:

  • 1-Year: as low as 2.99% (promotional).
  • 2-Year: as low as 5.00%.
  • 3-Year: as low as 5.50%.
  • 4-Year: as low as 6.25%.
  • 5-Year: as low as 6.75%.
  • 6-Year: as low as 7.25%.

You can also opt for a Personal Line of Credit. Variable APRs are as low as 8.75%, but the 0.25% increase applies without automatic payments.

Hawaii State operates 10 branches across Hawaii, located in Honolulu, Kaneohe, Kapolei, Kahului, and others.

All Licensed Credit Unions in Hawaii of November 2025

Name: City: Size (Millions): Members:
HAWAIIUSA FEDERAL CREDIT UNION Honolulu $1,276.95 130964
HAWAII STATE FEDERAL CREDIT UNION Honolulu $1,235.92 75664
HICKAM FEDERAL CREDIT UNION Honolulu $516.44 50262
HAWAIIAN TEL FEDERAL CREDIT UNION Honolulu $504.78 50198
HFS FEDERAL CREDIT UNION Hilo $426.16 43582
HAWAII COMMUNITY FEDERAL CREDIT UNION Kailua-Kona $349.80 39403
ALOHA PACIFIC FEDERAL CREDIT UNION Honolulu $714.01 38299
KAUAI COMMUNITY FEDERAL CREDIT UNION Lihue $315.22 32322
PEARL HARBOR FEDERAL CREDIT UNION Waipahu $343.46 26124
UNIVERSITY OF HAWAII FEDERAL CREDIT UNION Honolulu $528.92 25634
CU HAWAII FEDERAL CREDIT UNION Hilo $228.19 23626
HONOLULU FEDERAL CREDIT UNION Honolulu $231.21 15135
MAUI COUNTY FEDERAL CREDIT UNION Wailuku $234.36 14142
VALLEY ISLE COMMUNITY FEDERAL CREDIT UNION Kahului $103.66 12955
HAWAII CENTRAL FEDERAL CREDIT UNION Honolulu $152.87 12211
HAWAII FEDERAL CREDIT UNION Honolulu $63.40 11968
HAWAII LAW ENFORCEMENT FEDERAL CREDIT UNION Honolulu $144.36 11955
WINDWARD COMMUNITY FEDERAL CREDIT UNION Kailua $77.77 10152
BIG ISLAND FEDERAL CREDIT UNION Hilo $76.26 9105
HAWAII PACIFIC FEDERAL CREDIT UNION Honolulu $51.40 7059
HAWAII FIRST FEDERAL CREDIT UNION Kamuela $36.82 6900
HAWAII SCHOOLS FEDERAL CREDIT UNION Honolulu $62.23 6185
KAUAI GOVERNMENT EMPLOYEES FEDERAL CREDIT UNION Lihue $82.03 5894
HAWAII COUNTY EMPLOYEES FEDERAL CREDIT UNION Hilo $77.19 5893
GARDEN ISLAND FEDERAL CREDIT UNION Lihue $72.26 5689
WEST OAHU COMMUNITY FEDERAL CREDIT UNION Waianae $31.19 5534
MAUI FEDERAL CREDIT UNION Kahului $58.09 5264
HONOLULU FIRE DEPARTMENT FEDERAL CREDIT UNION Honolulu $62.63 5253
THE QUEEN’S FEDERAL CREDIT UNION Honolulu $47.76 5134
INDEPENDENT EMPLOYERS GROUP FEDERAL CREDIT UNION Hilo $20.13 4983
HOTEL AND TRAVEL INDUSTRY FEDERAL CREDIT UNION Honolulu $33.07 4843
OAHU FEDERAL CREDIT UNION Honolulu $46.82 4820
KAHULUI FEDERAL CREDIT UNION Kahului $52.99 4773
KAMEHAMEHA FEDERAL CREDIT UNION Honolulu $39.92 4572
MOLOKAI COMMUNITY FEDERAL CREDIT UNION Kaunakakai $18.06 3958
WAILUKU FEDERAL CREDIT UNION Wailuku $40.19 3794
ALOHA FEDERAL CREDIT UNION Pearl City $28.40 3721
NORTH HAWAII COMMUNITY FEDERAL CREDIT UNION Honokaa $17.62 3568
KULA COMMUNITY FEDERAL CREDIT UNION Kahului $40.20 3543
H M S A EMPLOYEES FEDERAL CREDIT UNION Honolulu $69.05 3292
HAWAIIAN AIRLINES FEDERAL CREDIT UNION Honolulu $16.32 3274
KA’U FEDERAL CREDIT UNION Naalehu $10.18 3204
MCBRYDE FEDERAL CREDIT UNION Eleele $81.07 3151
WAIALUA FEDERAL CREDIT UNION Waialua $52.04 3144
KOLOA FEDERAL CREDIT UNION Koloa $17.82 2848
KUAKINI MEDICAL AND DENTAL FEDERAL CREDIT UNION Honolulu $39.43 2704
WEST MAUI COMMUNITY FEDERAL CREDIT UNION Lahaina $30.33 2622
SHERATON HAWAII FEDERAL CREDIT UNION Honolulu $20.58 2507
KAUAI TEACHERS FEDERAL CREDIT UNION Lihue $35.29 2460
NAVFAC FEDERAL CREDIT UNION Honolulu $36.10 2449
SCHOFIELD FEDERAL CREDIT UNION Wahiawa $37.31 2392
HAWAII NATIONAL GUARD FEDERAL CREDIT UNION Honolulu $17.58 2346
KAPALAMA PACIFIC FEDERAL CREDIT UNION Honolulu $4.22 2332
KUNIA FEDERAL CREDIT UNION Waipahu $13.87 2138
HAMAKUA COAST COMMUNITY FEDERAL CREDIT UNION Pepeekeo $15.92 2128
ONOMEA FEDERAL CREDIT UNION Papaikou $15.14 2076
OTS EMPLOYEES FEDERAL CREDIT UNION Honolulu $12.49 2055
HAWAIIAN ELECTRIC EMPLOYEES FEDERAL CREDIT UNION Honolulu $36.88 1967
LANAI FEDERAL CREDIT UNION Lanai City $24.56 1924
EWA FEDERAL CREDIT UNION Ewa Beach $12.84 1886
HELCO FEDERAL CREDIT UNION Hilo $35.33 1757
PRINCE KUHIO FEDERAL CREDIT UNION Honolulu $8.80 1717
TIMES FEDERAL CREDIT UNION Honolulu $11.62 1688
MAUI TEACHERS FEDERAL CREDIT UNION Wailuku $35.81 1665
KEKAHA FEDERAL CREDIT UNION Kekaha $17.95 1627
THEODAVIES FEDERAL CREDIT UNION Honolulu $9.22 1562
HAWAII STEVEDORES/CASTLE & COOKE HI FEDERAL CREDIT UNION Honolulu $12.21 1436
FIRST HAWAIIAN HOMES FEDERAL CREDIT UNION Ho’olehua $3.58 1297
BOARD OF WATER SUPPLY FEDERAL CREDIT UNION Honolulu $16.91 1286
ST. FRANCIS MEDICAL CENTER FEDERAL CREDIT UNION Honolulu $9.90 1250
KAHUKU FEDERAL CREDIT UNION Kahuku $4.12 1131
LOCAL UNION 1186 IBEW FEDERAL CREDIT UNION Honolulu $12.47 1039
HONEA FEDERAL CREDIT UNION Honolulu $27.50 891
PACIFIC ISLAND ENERGY FEDERAL CREDIT UNION Honolulu $7.70 861
LEAHI FEDERAL CREDIT UNION Honolulu $3.54 805
KAUMAKANI FEDERAL CREDIT UNION Kaumakani $4.02 798
DOLE WAHIAWA FEDERAL CREDIT UNION Wahiawa $2.96 778
PLUMBERS & FITTERS LOCAL 675 FEDERAL CREDIT UNION Honolulu $2.53 641
ISLAND TRADITION FEDERAL CREDIT UNION Honolulu $2.97 629
MEADOW GOLD DAIRIES FEDERAL CREDIT UNION Honolulu $2.86 625
MCCABE HAMILTON & RENNY FEDERAL CREDIT UNION Honolulu $5.96 609
ORAL FEDERAL CREDIT UNION Honolulu $2.55 362
GLOVER FEDERAL CREDIT UNION Honolulu $4.41 301

Student Loans in Hawaii of November 2025

Hawaii Community Foundation Scholarship

Offering student grants that range from $1,000 to several thousand, the Hawaii Community Foundation Scholarship is a needs-based scholarship designed to help residents of Hawaii pursue higher education. The average grant is $2,500, and you have to re-apply for funding each year.

To qualify:

  • You must be a resident of Hawaii.
  • You must demonstrate financial need.
  • You must attend an accredited two or four-year not-for-profit institution within the United States.
  • You must register as a full-time student.
  • You must maintain a minimum 2.7 GPA.

With your application, you also need to submit a personal statement outlining why you’re attending college, why you chose your course of study, and describe your career goals. You also need to explain how you plan to give back to Hawaii.

Federal Housing Administration (FHA) Loans in Hawaii of November 2025

Hawaii has five counties that are eligible for FHA loans. The lowest loan amount of $387,550 is available in Hawaii County, while the highest loan amount of $1,386,650 is available in Honolulu County.

County: Single Unit Limit (lowest): Four-Plex Limit (highest):
Hawaii County $391,000 $751,900
Honolulu County $721,050 $1,386,650
Kalawao County $690,000 $1,326,950
Kauai County $713,000 $1,371,150
Maui County $690,000 $1,326,950

Business Loans in Hawaii of November 2025

To obtain a hassle-free business loan, consider one of the online options below:

Apply Now
Amount:

Up to $10,000,000
APR:

Vary
Min. Credit Score:

0
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$5,000 - $500,000
APR:

9.77% - 35.98%
Min. Credit Score:

600
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$5,000 - $500,000
APR:

5.99% – 35.99%
Min. Credit Score:

500
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

Up to $250,000
APR:

24% – 99%
Min. Credit Score:

560
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

Up to $350,000
APR:

9.28 - 10.52%
Min. Credit Score:

650
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

Up to $350,000
APR:

10.00 - 25.00%
Min. Credit Score:

680
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$75,000 - $5,000,000
APR:

5.50 - 8.25%
Min. Credit Score:

650
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

Up to $500,000
APR:

12.18 - 36.00%
Min. Credit Score:

660
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

Up to $500,000
APR:

9.00 - 99.00%
Min. Credit Score:

600
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

Up to $5,000,000
APR:

15.00 - 78.00%
Min. Credit Score:

600
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

Up to $1,000,000
APR:

Vary
Min. Credit Score:

0
Licensed in Hawaii:

Yes
Get started
Apply Now
Amount:

$6,000 to $250,000
APR:

Vary
Min. Credit Score:

0
Licensed in Hawaii:

Yes
Get started

For a local resource, Hawaii is also home to Commercial and Business Lending (CBL):

Commercial and Business Lending (CBL)


Aiming to diversify the local economy and enhance community and rural development across Hawaii, Commercial and Business Lending (CBL) has over 30 years of experience.

The company also has several loan programs to choose from:

  • Income-Property Loans are designed for property investors looking to generate rental income. You can borrow anywhere from $25,000 to $10 million, and you can choose between fixed or variable APRs. Terms range from 10 to 15 years, and loan-to-value (LTV) ratios are typically 75% (80% in some cases).
  • Commercial and Agricultural Land Loans offer a minimum of $100,000, with loan terms ranging from 1 to 30 years. APRs can also be fixed or variable, and LTV ratios can reach upwards of 96%.
  • Business and Industry Loans are available to businesses operating in qualified rural areas with a population of less than 50,000. Loans typically range from $750,000 to $5 million ($10-$25 million in some cases) with terms up to 25 years. APRs can be fixed, or variable and loans can be used for real estate purchases or remodeling, debt refinancing, machinery and equipment purchases, and working capital. To qualify, your business must have U.S. majority ownership, and personal or corporate guarantees are required.
  • Community Facilities Loans are designed for non-profit or municipality operations in rural areas with a population of less than 20,000. Loans typically start at $750,000 though there is no maximum. Terms extend up to 30 years, and APRs can be fixed or variable. To qualify, your business must be a non-profit, operate for public use, or have Native American Tribe status.
  • SBA 504 and 7(a) Loans provide up to $3.5 million for 504 Loans and up to $1.33 million for 7(a) Loans. Terms can be structured to fit your needs, and the company encourages interested parties to call for details.

You can visit CBL Lending at 1188 Bishop Street Suite 602, Honolulu, HI 96813. You can also call them at (808) 585-7227 or (808) 585-7447. As a third option, you can also fill out the contact form on their website.

Conclusion

Hawaii state officials place interest rate caps on consumer loans of less than $25,000. However, because payday loans are considered ‘deferred deposit’ loans and not consumer loans, lenders can levy APRs up to 460% on a 14-day loan. Before going down that road, you should exhaust all other resources. If you don’t qualify for a personal loan, consider HawaiiUSA or Hawaii State Federal Credit Union. APRs are capped at 18%, so their products are extremely affordable. OppLoans is licensed in Hawaii and partners with FinWise Bank to provide loans to borrowers who don’t qualify elsewhere as a payday loan alternative. APRs average 160%, but they’re still much lower than traditional payday loans.

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