✓ Legal & RegulatedReviewed: Aug 2025
HawaiiLoan Laws & Regulations
Official regulatory reference for borrowers and lenders in Hawaii. Includes permitted loan types, APR caps, lender licensing requirements, borrower rights, and government source links.
Max Loan
$600
Typical APR
400% APR
Max Term
32 days
Legal Status
Legal
Hawaii Lending Regulator
The Hawaii DCCA oversees consumer lending in Hawaii, including licensing, enforcement, and consumer complaint resolution. Before borrowing from any lender, verify their license using the official regulator lookup tool linked above.
Regulatory Details
Detailed regulatory data for Hawaii is sourced directly from the Hawaii DCCA. For the most current requirements, visit: https://cca.hawaii.gov/
Current Overview
Hawaii payday loans up to $600 for Honolulu and statewide residents. Fast same-day approval with Bad credit considered.
Legal Status: Legal · APR Range: 400% APR · Max Amount: $600
Hawaii Lending FAQ
Are payday loans legal in Hawaii?▼
Yes. Payday loans are legal and regulated in Hawaii under the oversight of the Hawaii DCCA. Current APR range: 400% APR. Maximum loan: $600.
What is the maximum payday loan I can get in Hawaii?▼
The maximum short-term loan amount in Hawaii is $600. A $600 loan for 14 days in HI costs approximately $85 in fees. APR: 400%.
Who regulates payday lenders in Hawaii?▼
The Hawaii DCCA is the primary state regulator. You can verify any lender's license at https://cca.hawaii.gov/. Unlicensed lenders operating in Hawaii are illegal — always verify before borrowing.
What are the alternatives to payday loans in Hawaii?▼
Consider credit union PAL (Payday Alternative Loan) programs, licensed personal loan lenders, or non-profit credit counseling services in Hawaii.