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Payday Loans in Hawaii

Compare licensed lenders • Check HI regulations • Apply online

Last updated: June 2026

Max Loan
$600
Cities Covered
1
Legal Status
Legal
Population
1,455,271

Hawaii Payday Loan Regulations

Max Loan Amount:$600
Max Term:32 days
Typical APR:459%
Cooling-Off:None
Rollover Allowed:Yes

Payday loans in Hawaii are regulated by the Division of Financial Institutions. Maximum $600 loan.

Important: This information is current as of February 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

About Payday Loans in Hawaii

Payday loans in Hawaii are regulated by the Division of Financial Institutions. Maximum $600 loan.

Hawaii is located in the West region of the United States with a population of 1,455,271.

Key Regulations:

  • Maximum APR: 459%
  • Maximum loan amount: $600
  • Maximum term: 32 days
  • Rollovers allowed
  • Regulated by Hawaii Division of Financial Institutions

Regulatory Authority: Hawaii Division of Financial Institutions
Official Website: https://cca.hawaii.gov/dfi/

Representative Example APR in Hawaii

Payday and small-dollar loan costs vary by lender, amount, and state rules. The example below shows how fees can translate into APR on a short-term loan.

Loan amount Term Fee per $100 Total repayment Equivalent APR
$500 14 days $15 $575 391%

Example only. Actual APR and total repayment in Hawaii depend on lender pricing, term length, and state compliance limits.

Cities in Hawaii

Honolulu

Pop: 345,064

View Lenders →
Browse all 1 city pages in Hawaii
Honolulu

Frequently Asked Questions – Hawaii

Are payday loans legal in Hawaii?
Yes, payday loans are legal in Hawaii. The state is regulated by the Hawaii Division of Financial Institutions, which oversees all payday lenders. Payday loans in Hawaii are regulated by the Division of Financial Institutions. Maximum $600 loan.
What is the maximum payday loan amount in HI?
The maximum payday loan amount in Hawaii is $600. Finance charges are capped at Varies by lender. Always verify with your lender before applying.
How long do I have to repay a payday loan in Hawaii?
In Hawaii, payday loans typically have a maximum term of 32 days. Some lenders offer installment loans with longer repayment periods. Check specific lender terms.
Can I have multiple payday loans at once in HI?
Payday loans in Hawaii are regulated by the Division of Financial Institutions. Maximum $600 loan.
How do I find licensed payday lenders in Hawaii?
All payday lenders in Hawaii must be licensed by the Hawaii Division of Financial Institutions. You can verify a lender's license at https://cca.hawaii.gov/dfi/. Only work with licensed lenders to protect yourself.
What documents do I need for a payday loan in HI?
Most Hawaii payday lenders require: (1) Valid ID (driver's license or state ID), (2) Proof of income (pay stubs or bank statements), (3) Active checking account, (4) Social Security number, (5) Proof of residence.
What is the typical APR for payday loans in Hawaii?
In Hawaii, the maximum APR is 459%. Actual APR varies by lender and loan amount. Always review the loan agreement for total cost before signing.
Are there alternatives to payday loans in HI?
Yes. Consider: (1) Credit union loans (often lower rates), (2) Payment plans with creditors, (3) Local assistance programs, (4) Employer cash advances, (5) Friends or family loans. Explore all options before committing to a payday loan.

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Important Legal Notice

This information is current as of January 2026 and is for informational purposes only. Payday loan regulations in Hawaii may change. Always verify current regulations with the Hawaii Division of Financial Institutions before applying. Credizen is a comparison platform and we do not directly provide loans.

We may earn commission from lenders when you submit a loan request. This does not affect which lenders you are matched with.

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Rostislav Sikora

AI Orchestrator and loan comparison specialist

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