Best Personal Loans Good and Bad Credit Hawaii, Payday Laws 2020 - Elite Personal Finance
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Best Personal Loans Good and Bad Credit Hawaii, Payday Laws 2020

EPF Last Update: April 1, 2020

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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 are applicable to loans with terms of 48 months or less. When terms exceed 48 months, lenders are allowed to levy excess finance charges as long as 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 2020

Amount

$500 – $5,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

3 – 36 Months

Licensed in Hawaii

Not a direct lender

Amount

$100 - $2,500

Min Credit Score

0

APR

Vary by State

Approval

< 1 Day

Terms

1 - 36 Months

Licensed in Hawaii

Yes

Amount

$1,000 – $5,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

9 – 36 Months

Licensed in Hawaii

Yes

Amount

$100 – $1,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

7 – 30 Days

Licensed in Hawaii

Yes

Amount

$1,000 – $10,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Hawaii

Not a direct lender

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

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Hawaii

Yes

Amount

$1,000 – $100,000

Min Credit Score

500

APR

5.34% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Hawaii

Yes

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

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

Not a direct lender

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

Best Personal Loans for Good Credit In Hawaii 2020

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

Amount

$2,000 - $40,000

Min Credit Score

640

APR

6.95% - 35.99%

Approval

1 - 3 Days

Terms

36 - 60 months

Licensed in Hawaii

Yes

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

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

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

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Hawaii

Yes

Amount

$1,000 – $50,000

Min Credit Score

600

APR

6.98% – 35.89%

Approval

< 1 Day

Terms

3 - 5 Years

Licensed in Hawaii

Yes

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

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

Amount

$7,500 - $40,000

Min Credit Score

680

APR

6 - 15%

Approval

1 - 7 Days

Terms

36 - 84 months

Licensed in Hawaii

Yes

For a list of other great options, see our recommended lenders.

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Payday Loans in Hawaii

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 face value of the loan. 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, for selling or issuing a money order, and for the initial issuance of any membership or identification cards; and
  • That consumer complaints about the check cashing business may be filed with the department of commerce and consumer affairs, and includes 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 is 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 documenting any and all fees charged.

Payday Loan Laws in Hawaii by Country

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.

CityAmount AllowedAPR AllowedStatus
Urban Honolulu$600460%Legal
East Honolulu$600460%Legal
Hilo$600460%Legal
Pearl City$600460%Legal
Waipahu$600460%Legal
Kailua CDP$600460%Legal
Kaneohe$600460%Legal
Kahului$600460%Legal
Mililani Town$600460%Legal
Ewa Gentry$600460%Legal
Kihei$600460%Legal
Kapolei$600460%Legal
Makakilo$600460%Legal
Mililani Mauka$600460%Legal
Schofield Barracks$600460%Legal
Wahiawa$600460%Legal
Wailuku$600460%Legal
Kailua$600460%Legal
Ewa Beach$600460%Legal
Halawa$600460%Legal
Royal Kunia$600460%Legal
Waianae$600460%Legal
Ocean Pointe$600460%Legal
Waimalu$600460%Legal
Lahaina$600460%Legal
Nanakuli$600460%Legal
Waimea$600460%Legal
Kalaoa$600460%Legal
Waipio$600460%Legal
Hawaiian Paradise Park$600460%Legal
Kaneohe Station$600460%Legal
Maili$600460%Legal
Kapaa$600460%Legal
Aiea$600460%Legal
Hickam Housing$600460%Legal
Holualoa$600460%Legal
Waihee-Waiehu$600460%Legal
Makaha$600460%Legal
Ahuimanu$600460%Legal
Haiku-Pauwela$600460%Legal
Pukalani$600460%Legal
Makawao$600460%Legal
Kula$600460%Legal
Lihue$600460%Legal
Napili-Honokowai$600460%Legal
Ewa Villages$600460%Legal
Waikele$600460%Legal
Waikoloa Village$600460%Legal
Waimanalo$600460%Legal
Laie$600460%Legal
Wailua Homesteads$600460%Legal
Wailea$600460%Legal
Waipio Acres$600460%Legal
Hanamaulu$600460%Legal
Kalaheo$600460%Legal
West Loch Estate$600460%Legal
Hawaiian Ocean View$600460%Legal
Hawaiian Beaches$600460%Legal
Heeia$600460%Legal
Pupukea$600460%Legal
Kahaluu$600460%Legal
Whitmore Village$600460%Legal
Haleiwa$600460%Legal
Kahaluu-Keauhou$600460%Legal
Captain Cook$600460%Legal
Puhi$600460%Legal
Waimanalo Beach$600460%Legal
Kaunakakai$600460%Legal
Waialua$600460%Legal
Iroquois Point$600460%Legal
Hauula$600460%Legal
Waikapu$600460%Legal
Kekaha$600460%Legal
Ainaloa$600460%Legal
Mountain View$600460%Legal
Volcano$600460%Legal
Orchidlands Estates$600460%Legal

Car Title Loans in Hawaii 

Car title loans are illegal in Hawaii.

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

Alternative Payday Loans In Hawaii 

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 2020

Best Auto Loans for Good Credit in Hawaii 2020

Credit Unions In Hawaii

Name:APR:Amount:
HawaiiUSA Federal Credit Union5.25% – 18%$30,000+
Hawaii State Federal Credit Union5.00% – 18%Up to $50,000

HawaiiUSA Federal Credit Union

Until August 31, 2019, HawaiiUSA Federal Credit Union is offering 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, HawaiiUSA’s 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, with locations in Aiea, Honolulu, Kaneohe, Mililani as well as many others.

Hawaii State Federal Credit Union

Similar to HawaiiUSA, Hawaii State Federal Credit Union is offering 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, with locations in Honolulu, Kaneohe, Kapolei, Kahului as well as others.

All Licensed Credit Unions in Hawaii

NameCitySize (Millions)Members
HAWAIIUSA FEDERAL CREDIT UNIONHonolulu$1,276.95130964
HAWAII STATE FEDERAL CREDIT UNIONHonolulu$1,235.9275664
HICKAM FEDERAL CREDIT UNIONHonolulu$516.4450262
HAWAIIAN TEL FEDERAL CREDIT UNIONHonolulu$504.7850198
HFS FEDERAL CREDIT UNIONHilo$426.1643582
HAWAII COMMUNITY FEDERAL CREDIT UNIONKailua-Kona$349.8039403
ALOHA PACIFIC FEDERAL CREDIT UNIONHonolulu$714.0138299
KAUAI COMMUNITY FEDERAL CREDIT UNIONLihue$315.2232322
PEARL HARBOR FEDERAL CREDIT UNIONWaipahu$343.4626124
UNIVERSITY OF HAWAII FEDERAL CREDIT UNIONHonolulu$528.9225634
CU HAWAII FEDERAL CREDIT UNIONHilo$228.1923626
HONOLULU FEDERAL CREDIT UNIONHonolulu$231.2115135
MAUI COUNTY FEDERAL CREDIT UNIONWailuku$234.3614142
VALLEY ISLE COMMUNITY FEDERAL CREDIT UNIONKahului$103.6612955
HAWAII CENTRAL FEDERAL CREDIT UNIONHonolulu$152.8712211
HAWAII FEDERAL CREDIT UNIONHonolulu$63.4011968
HAWAII LAW ENFORCEMENT FEDERAL CREDIT UNIONHonolulu$144.3611955
WINDWARD COMMUNITY FEDERAL CREDIT UNIONKailua$77.7710152
BIG ISLAND FEDERAL CREDIT UNIONHilo$76.269105
HAWAII PACIFIC FEDERAL CREDIT UNIONHonolulu$51.407059
HAWAII FIRST FEDERAL CREDIT UNIONKamuela$36.826900
HAWAII SCHOOLS FEDERAL CREDIT UNIONHonolulu$62.236185
KAUAI GOVERNMENT EMPLOYEES FEDERAL CREDIT UNIONLihue$82.035894
HAWAII COUNTY EMPLOYEES FEDERAL CREDIT UNIONHilo$77.195893
GARDEN ISLAND FEDERAL CREDIT UNIONLihue$72.265689
WEST OAHU COMMUNITY FEDERAL CREDIT UNIONWaianae$31.195534
MAUI FEDERAL CREDIT UNIONKahului$58.095264
HONOLULU FIRE DEPARTMENT FEDERAL CREDIT UNIONHonolulu$62.635253
THE QUEEN’S FEDERAL CREDIT UNIONHonolulu$47.765134
INDEPENDENT EMPLOYERS GROUP FEDERAL CREDIT UNIONHilo$20.134983
HOTEL AND TRAVEL INDUSTRY FEDERAL CREDIT UNIONHonolulu$33.074843
OAHU FEDERAL CREDIT UNIONHonolulu$46.824820
KAHULUI FEDERAL CREDIT UNIONKahului$52.994773
KAMEHAMEHA FEDERAL CREDIT UNIONHonolulu$39.924572
MOLOKAI COMMUNITY FEDERAL CREDIT UNIONKaunakakai$18.063958
WAILUKU FEDERAL CREDIT UNIONWailuku$40.193794
ALOHA FEDERAL CREDIT UNIONPearl City$28.403721
NORTH HAWAII COMMUNITY FEDERAL CREDIT UNIONHonokaa$17.623568
KULA COMMUNITY FEDERAL CREDIT UNIONKahului$40.203543
H M S A EMPLOYEES FEDERAL CREDIT UNIONHonolulu$69.053292
HAWAIIAN AIRLINES FEDERAL CREDIT UNIONHonolulu$16.323274
KA’U FEDERAL CREDIT UNIONNaalehu$10.183204
MCBRYDE FEDERAL CREDIT UNIONEleele$81.073151
WAIALUA FEDERAL CREDIT UNIONWaialua$52.043144
KOLOA FEDERAL CREDIT UNIONKoloa$17.822848
KUAKINI MEDICAL AND DENTAL FEDERAL CREDIT UNIONHonolulu$39.432704
WEST MAUI COMMUNITY FEDERAL CREDIT UNIONLahaina$30.332622
SHERATON HAWAII FEDERAL CREDIT UNIONHonolulu$20.582507
KAUAI TEACHERS FEDERAL CREDIT UNIONLihue$35.292460
NAVFAC FEDERAL CREDIT UNIONHonolulu$36.102449
SCHOFIELD FEDERAL CREDIT UNIONWahiawa$37.312392
HAWAII NATIONAL GUARD FEDERAL CREDIT UNIONHonolulu$17.582346
KAPALAMA PACIFIC FEDERAL CREDIT UNIONHonolulu$4.222332
KUNIA FEDERAL CREDIT UNIONWaipahu$13.872138
HAMAKUA COAST COMMUNITY FEDERAL CREDIT UNIONPepeekeo$15.922128
ONOMEA FEDERAL CREDIT UNIONPapaikou$15.142076
OTS EMPLOYEES FEDERAL CREDIT UNIONHonolulu$12.492055
HAWAIIAN ELECTRIC EMPLOYEES FEDERAL CREDIT UNIONHonolulu$36.881967
LANAI FEDERAL CREDIT UNIONLanai City$24.561924
EWA FEDERAL CREDIT UNIONEwa Beach$12.841886
HELCO FEDERAL CREDIT UNIONHilo$35.331757
PRINCE KUHIO FEDERAL CREDIT UNIONHonolulu$8.801717
TIMES FEDERAL CREDIT UNIONHonolulu$11.621688
MAUI TEACHERS FEDERAL CREDIT UNIONWailuku$35.811665
KEKAHA FEDERAL CREDIT UNIONKekaha$17.951627
THEODAVIES FEDERAL CREDIT UNIONHonolulu$9.221562
HAWAII STEVEDORES/CASTLE & COOKE HI FEDERAL CREDIT UNIONHonolulu$12.211436
FIRST HAWAIIAN HOMES FEDERAL CREDIT UNIONHo’olehua$3.581297
BOARD OF WATER SUPPLY FEDERAL CREDIT UNIONHonolulu$16.911286
ST. FRANCIS MEDICAL CENTER FEDERAL CREDIT UNIONHonolulu$9.901250
KAHUKU FEDERAL CREDIT UNIONKahuku$4.121131
LOCAL UNION 1186 IBEW FEDERAL CREDIT UNIONHonolulu$12.471039
HONEA FEDERAL CREDIT UNIONHonolulu$27.50891
PACIFIC ISLAND ENERGY FEDERAL CREDIT UNIONHonolulu$7.70861
LEAHI FEDERAL CREDIT UNIONHonolulu$3.54805
KAUMAKANI FEDERAL CREDIT UNIONKaumakani$4.02798
DOLE WAHIAWA FEDERAL CREDIT UNIONWahiawa$2.96778
PLUMBERS & FITTERS LOCAL 675 FEDERAL CREDIT UNIONHonolulu$2.53641
ISLAND TRADITION FEDERAL CREDIT UNIONHonolulu$2.97629
MEADOW GOLD DAIRIES FEDERAL CREDIT UNIONHonolulu$2.86625
MCCABE HAMILTON & RENNY FEDERAL CREDIT UNIONHonolulu$5.96609
ORAL FEDERAL CREDIT UNIONHonolulu$2.55362
GLOVER FEDERAL CREDIT UNIONHonolulu$4.41301

Student Loans In Hawaii

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 

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.

CountySingle 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

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

Amount

Up to $10,000,000

APR

Vary

Min Credit Score

0

Licensed in Hawaii

Yes

Amount

$5,000 - $500,000

APR

9.77% - 35.98%

Min Credit Score

600

Licensed in Hawaii

Yes

Amount

$5,000 - $500,000

APR

5.99% – 35.99%

Min Credit Score

500

Licensed in Hawaii

Yes

Amount

Up to $250,000

APR

24% – 99%

Min Credit Score

560

Licensed in Hawaii

Yes

Amount

Up to $350,000

APR

9.28 - 10.52%

Min Credit Score

650

Licensed in Hawaii

Yes

Amount

Up to $350,000

APR

10.00 - 25.00%

Min Credit Score

680

Licensed in Hawaii

Yes

Amount

$75,000 - $5,000,000

APR

5.50 - 8.25%

Min Credit Score

650

Licensed in Hawaii

Yes

Amount

Up to $500,000

APR

12.18 - 36.00%

Min Credit Score

660

Licensed in Hawaii

Yes

Amount

Up to $500,000

APR

9.00 - 99.00%

Min Credit Score

600

Licensed in Hawaii

Yes

Amount

Up to $5,000,000

APR

15.00 - 78.00%

Min Credit Score

600

Licensed in Hawaii

Yes

Amount

Up to $1,000,000

APR

Vary

Min Credit Score

0

Licensed in Hawaii

Yes

Amount

$6,000 to $250,000

APR

Vary

Min Credit Score

0

Licensed in Hawaii

Yes

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 of 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. As a payday loan alternative, Opploans is licensed in Hawaii and partners with FinWise Bank to provide loans to borrowers who don’t qualify elsewhere. APRs average 160%, but they’re still much lower than traditional payday loans.

Elite Personal Finance

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