$100 - $100,000
CS: 0 • 5.96% - 35.99%
Best Personal Loans Good and Bad Credit Hawaii, Payday Laws of September 2026
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Last Update: September 1, 2026
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$100 - $40,000
CS: 0 • 5.99% - 35.99%
$100 - $100,000
CS: 0 • 5.96% - 35.99%
$100 - $20,000
CS: 0 • 5.99% - 35.99%
$100 - $5,000
CS: 0 • 5.99% - 35.99%
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 September 2026
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For more information, see our guide on bad credit loans.
Best Personal Loans for Good Credit in Hawaii of September 2026
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Payday Loan Laws in Hawaii of September 2026
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 September 2026
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: |
|---|---|---|---|
| City:Urban Honolulu | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:East Honolulu | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Hilo | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Pearl City | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Waipahu | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Kailua CDP | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Kaneohe | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Kahului | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Mililani Town | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Ewa Gentry | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Kihei | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Kapolei | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Makakilo | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Mililani Mauka | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Schofield Barracks | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Wahiawa | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Wailuku | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Kailua | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Ewa Beach | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Halawa | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Royal Kunia | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Waianae | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Ocean Pointe | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Waimalu | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Lahaina | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Nanakuli | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Waimea | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Kalaoa | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Waipio | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Hawaiian Paradise Park | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Kaneohe Station | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Maili | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Kapaa | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Aiea | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Hickam Housing | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Holualoa | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Waihee-Waiehu | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Makaha | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Ahuimanu | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Haiku-Pauwela | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Pukalani | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Makawao | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Kula | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Lihue | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Napili-Honokowai | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Ewa Villages | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Waikele | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Waikoloa Village | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Waimanalo | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Laie | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Wailua Homesteads | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Wailea | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Waipio Acres | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Hanamaulu | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Kalaheo | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:West Loch Estate | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Hawaiian Ocean View | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Hawaiian Beaches | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Heeia | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Pupukea | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Kahaluu | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Whitmore Village | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Haleiwa | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Kahaluu-Keauhou | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Captain Cook | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Puhi | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Waimanalo Beach | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Kaunakakai | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Waialua | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Iroquois Point | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Hauula | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Waikapu | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Kekaha | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Ainaloa | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Mountain View | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Volcano | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
| City:Orchidlands Estates | Amount Allowed:$600 | APR Allowed:460% | Status:Legal |
Car Title Loans in Hawaii of September 2026
Car title loans are illegal in Hawaii.
Despite that, online lenders still find ways to offer the product.
Alternative Payday Loans in Hawaii of September 2026
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 September 2026
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Best Auto Loans for Good Credit in Hawaii of September 2026
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Credit Unions in Hawaii of September 2026
| Name: | APR: | Amount: |
|---|---|---|
| Name:HawaiiUSA Federal Credit Union | APR:5.25% – 18% | Amount:$30,000+ |
| Name:Hawaii State Federal Credit Union | APR:5.00% – 18% | Amount: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 September 2026
| Name: | City: | Size (Millions): | Members: |
|---|---|---|---|
| Name:HAWAIIUSA FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$1,276.95 | Members:130964 |
| Name:HAWAII STATE FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$1,235.92 | Members:75664 |
| Name:HICKAM FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$516.44 | Members:50262 |
| Name:HAWAIIAN TEL FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$504.78 | Members:50198 |
| Name:HFS FEDERAL CREDIT UNION | City:Hilo | Size (Millions):$426.16 | Members:43582 |
| Name:HAWAII COMMUNITY FEDERAL CREDIT UNION | City:Kailua-Kona | Size (Millions):$349.80 | Members:39403 |
| Name:ALOHA PACIFIC FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$714.01 | Members:38299 |
| Name:KAUAI COMMUNITY FEDERAL CREDIT UNION | City:Lihue | Size (Millions):$315.22 | Members:32322 |
| Name:PEARL HARBOR FEDERAL CREDIT UNION | City:Waipahu | Size (Millions):$343.46 | Members:26124 |
| Name:UNIVERSITY OF HAWAII FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$528.92 | Members:25634 |
| Name:CU HAWAII FEDERAL CREDIT UNION | City:Hilo | Size (Millions):$228.19 | Members:23626 |
| Name:HONOLULU FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$231.21 | Members:15135 |
| Name:MAUI COUNTY FEDERAL CREDIT UNION | City:Wailuku | Size (Millions):$234.36 | Members:14142 |
| Name:VALLEY ISLE COMMUNITY FEDERAL CREDIT UNION | City:Kahului | Size (Millions):$103.66 | Members:12955 |
| Name:HAWAII CENTRAL FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$152.87 | Members:12211 |
| Name:HAWAII FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$63.40 | Members:11968 |
| Name:HAWAII LAW ENFORCEMENT FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$144.36 | Members:11955 |
| Name:WINDWARD COMMUNITY FEDERAL CREDIT UNION | City:Kailua | Size (Millions):$77.77 | Members:10152 |
| Name:BIG ISLAND FEDERAL CREDIT UNION | City:Hilo | Size (Millions):$76.26 | Members:9105 |
| Name:HAWAII PACIFIC FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$51.40 | Members:7059 |
| Name:HAWAII FIRST FEDERAL CREDIT UNION | City:Kamuela | Size (Millions):$36.82 | Members:6900 |
| Name:HAWAII SCHOOLS FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$62.23 | Members:6185 |
| Name:KAUAI GOVERNMENT EMPLOYEES FEDERAL CREDIT UNION | City:Lihue | Size (Millions):$82.03 | Members:5894 |
| Name:HAWAII COUNTY EMPLOYEES FEDERAL CREDIT UNION | City:Hilo | Size (Millions):$77.19 | Members:5893 |
| Name:GARDEN ISLAND FEDERAL CREDIT UNION | City:Lihue | Size (Millions):$72.26 | Members:5689 |
| Name:WEST OAHU COMMUNITY FEDERAL CREDIT UNION | City:Waianae | Size (Millions):$31.19 | Members:5534 |
| Name:MAUI FEDERAL CREDIT UNION | City:Kahului | Size (Millions):$58.09 | Members:5264 |
| Name:HONOLULU FIRE DEPARTMENT FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$62.63 | Members:5253 |
| Name:THE QUEEN’S FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$47.76 | Members:5134 |
| Name:INDEPENDENT EMPLOYERS GROUP FEDERAL CREDIT UNION | City:Hilo | Size (Millions):$20.13 | Members:4983 |
| Name:HOTEL AND TRAVEL INDUSTRY FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$33.07 | Members:4843 |
| Name:OAHU FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$46.82 | Members:4820 |
| Name:KAHULUI FEDERAL CREDIT UNION | City:Kahului | Size (Millions):$52.99 | Members:4773 |
| Name:KAMEHAMEHA FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$39.92 | Members:4572 |
| Name:MOLOKAI COMMUNITY FEDERAL CREDIT UNION | City:Kaunakakai | Size (Millions):$18.06 | Members:3958 |
| Name:WAILUKU FEDERAL CREDIT UNION | City:Wailuku | Size (Millions):$40.19 | Members:3794 |
| Name:ALOHA FEDERAL CREDIT UNION | City:Pearl City | Size (Millions):$28.40 | Members:3721 |
| Name:NORTH HAWAII COMMUNITY FEDERAL CREDIT UNION | City:Honokaa | Size (Millions):$17.62 | Members:3568 |
| Name:KULA COMMUNITY FEDERAL CREDIT UNION | City:Kahului | Size (Millions):$40.20 | Members:3543 |
| Name:H M S A EMPLOYEES FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$69.05 | Members:3292 |
| Name:HAWAIIAN AIRLINES FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$16.32 | Members:3274 |
| Name:KA’U FEDERAL CREDIT UNION | City:Naalehu | Size (Millions):$10.18 | Members:3204 |
| Name:MCBRYDE FEDERAL CREDIT UNION | City:Eleele | Size (Millions):$81.07 | Members:3151 |
| Name:WAIALUA FEDERAL CREDIT UNION | City:Waialua | Size (Millions):$52.04 | Members:3144 |
| Name:KOLOA FEDERAL CREDIT UNION | City:Koloa | Size (Millions):$17.82 | Members:2848 |
| Name:KUAKINI MEDICAL AND DENTAL FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$39.43 | Members:2704 |
| Name:WEST MAUI COMMUNITY FEDERAL CREDIT UNION | City:Lahaina | Size (Millions):$30.33 | Members:2622 |
| Name:SHERATON HAWAII FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$20.58 | Members:2507 |
| Name:KAUAI TEACHERS FEDERAL CREDIT UNION | City:Lihue | Size (Millions):$35.29 | Members:2460 |
| Name:NAVFAC FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$36.10 | Members:2449 |
| Name:SCHOFIELD FEDERAL CREDIT UNION | City:Wahiawa | Size (Millions):$37.31 | Members:2392 |
| Name:HAWAII NATIONAL GUARD FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$17.58 | Members:2346 |
| Name:KAPALAMA PACIFIC FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$4.22 | Members:2332 |
| Name:KUNIA FEDERAL CREDIT UNION | City:Waipahu | Size (Millions):$13.87 | Members:2138 |
| Name:HAMAKUA COAST COMMUNITY FEDERAL CREDIT UNION | City:Pepeekeo | Size (Millions):$15.92 | Members:2128 |
| Name:ONOMEA FEDERAL CREDIT UNION | City:Papaikou | Size (Millions):$15.14 | Members:2076 |
| Name:OTS EMPLOYEES FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$12.49 | Members:2055 |
| Name:HAWAIIAN ELECTRIC EMPLOYEES FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$36.88 | Members:1967 |
| Name:LANAI FEDERAL CREDIT UNION | City:Lanai City | Size (Millions):$24.56 | Members:1924 |
| Name:EWA FEDERAL CREDIT UNION | City:Ewa Beach | Size (Millions):$12.84 | Members:1886 |
| Name:HELCO FEDERAL CREDIT UNION | City:Hilo | Size (Millions):$35.33 | Members:1757 |
| Name:PRINCE KUHIO FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$8.80 | Members:1717 |
| Name:TIMES FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$11.62 | Members:1688 |
| Name:MAUI TEACHERS FEDERAL CREDIT UNION | City:Wailuku | Size (Millions):$35.81 | Members:1665 |
| Name:KEKAHA FEDERAL CREDIT UNION | City:Kekaha | Size (Millions):$17.95 | Members:1627 |
| Name:THEODAVIES FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$9.22 | Members:1562 |
| Name:HAWAII STEVEDORES/CASTLE & COOKE HI FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$12.21 | Members:1436 |
| Name:FIRST HAWAIIAN HOMES FEDERAL CREDIT UNION | City:Ho’olehua | Size (Millions):$3.58 | Members:1297 |
| Name:BOARD OF WATER SUPPLY FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$16.91 | Members:1286 |
| Name:ST. FRANCIS MEDICAL CENTER FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$9.90 | Members:1250 |
| Name:KAHUKU FEDERAL CREDIT UNION | City:Kahuku | Size (Millions):$4.12 | Members:1131 |
| Name:LOCAL UNION 1186 IBEW FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$12.47 | Members:1039 |
| Name:HONEA FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$27.50 | Members:891 |
| Name:PACIFIC ISLAND ENERGY FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$7.70 | Members:861 |
| Name:LEAHI FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$3.54 | Members:805 |
| Name:KAUMAKANI FEDERAL CREDIT UNION | City:Kaumakani | Size (Millions):$4.02 | Members:798 |
| Name:DOLE WAHIAWA FEDERAL CREDIT UNION | City:Wahiawa | Size (Millions):$2.96 | Members:778 |
| Name:PLUMBERS & FITTERS LOCAL 675 FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$2.53 | Members:641 |
| Name:ISLAND TRADITION FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$2.97 | Members:629 |
| Name:MEADOW GOLD DAIRIES FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$2.86 | Members:625 |
| Name:MCCABE HAMILTON & RENNY FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$5.96 | Members:609 |
| Name:ORAL FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$2.55 | Members:362 |
| Name:GLOVER FEDERAL CREDIT UNION | City:Honolulu | Size (Millions):$4.41 | Members:301 |
Student Loans in Hawaii of September 2026
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 September 2026
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): |
|---|---|---|
| County:Hawaii County | Single Unit Limit (lowest):$391,000 | Four-Plex Limit (highest):$751,900 |
| County:Honolulu County | Single Unit Limit (lowest):$721,050 | Four-Plex Limit (highest):$1,386,650 |
| County:Kalawao County | Single Unit Limit (lowest):$690,000 | Four-Plex Limit (highest):$1,326,950 |
| County:Kauai County | Single Unit Limit (lowest):$713,000 | Four-Plex Limit (highest):$1,371,150 |
| County:Maui County | Single Unit Limit (lowest):$690,000 | Four-Plex Limit (highest):$1,326,950 |
Business Loans in Hawaii of September 2026
To obtain a hassle-free business loan, consider one of the online options below:
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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.
