Loans in Honolulu County, HI: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Honolulu County, HI.
The median household in Honolulu County earns $106,195 a year, 6% above the Hawaii median of $100,389. About 9% of residents live below the federal poverty line, and 40.2% of households rent their home.
Honolulu County money snapshot
| Honolulu County | Hawaii | |
|---|---|---|
| Median monthly rent | $2,083 | $1,971 |
| Households earning under $35,000 | 14.3% | 15.9% |
| Renters spending 30%+ of income on rent | 57.7% | 56.3% |
| Households with Social Security income | 35.4% | 37.8% |
| Households receiving SSI | 4.2% | 4.3% |
| Households receiving SNAP benefits | 10.2% | 11.4% |
| Adults who are veterans | 8.7% | 8.0% |
| Households with one car | 34.7% | 33.3% |
| Households with two or more cars | 55.7% | 58.6% |
| Unemployment rate (Honolulu County, August 2026) | 2.9% | 3.0% |
| Median age | 39.8 | 41.0 |
- Rent takes a big bite in Honolulu County: 57.7% of renters spend at least 30% of their income on rent (Hawaii: 56.3%). If rent is due before payday, see our rent emergency loan guide.
- Honolulu County is home to many veterans — 8.7% of adults (Hawaii: 8.0%). See loans for veterans for what lenders look at.
- Unemployment in Honolulu County is up from a year ago (2.2% → 2.9% in August 2026). Between jobs? See loans when you're unemployed.
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (not seasonally adjusted).
On our Cash Strain Index, Honolulu County ranks #3 of 5 Hawaii counties (#1 = most financial strain).
What do I need to get a personal loan in Honolulu County?
Most Honolulu County applicants can finish in one sitting if they have these ready:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
How much can I borrow in Honolulu County?
Online personal loan requests through our network typically run $500 to $5,000. The lender decides the final amount based on your income.
What Honolulu County borrowers use it for
gifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Honolulu County
Payday Loans Not available
Payday lending is no longer allowed in Hawaii.
Personal Loans
Installment loans up to $1,500: 36% interest plus monthly fee; 12%/24% otherwise.
Title Loans
No Hawaii law specifically licensing car title loans was found.
Loan businesses in Honolulu County
Honolulu County had 7 consumer-lending businesses and 11 check-cashing and other credit-service businesses in 2023 (Hawaii: 7 and 14). You don't have to visit one: our short form reaches lenders that serve Honolulu County online, and many deposit funds by the next business day.
Source: U.S. Census Bureau, County Business Patterns 2023 (NAICS 522291 consumer lending; NAICS 522390 other activities related to credit intermediation, which includes check cashing).
Banks and credit unions in Honolulu County
Banks with branches in Honolulu County
143 FDIC-insured bank branches from 13 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Hawaiian Bank | 27 | 2411 S King St, Honolulu 96826 |
| Bank of Hawaii | 25 | 111 S King St, Honolulu 96813 |
| American Savings Bank, National Association | 24 | 300 N Beretania St, Honolulu 96817 |
| Central Pacific Bank | 20 | 220 S King St, Honolulu 96813 |
| Bank of Hope | 20 | 1000 Bishop St, Honolulu 96813 |
| Finance Factors, Ltd. | 9 | 1164 Bishop St, Honolulu 96813 |
| Hawaii National Bank | 8 | 45 N King St Fl 7, Honolulu 96817 |
| Mechanics Bank | 3 | 2 S King St, Honolulu 96813 |
| Commonwealth Business Bank | 3 | 1357 Kapiolani Blvd, Honolulu 96814 |
| Royal Business Bank | 1 | 765 Bishop St, Honolulu 96813 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Honolulu County
101 credit-union locations from 28 credit unions.
| Credit union | Location |
|---|---|
| Pearl Hawaii | 94-449 Ukee St, Waipahu 96797 |
| Navy Federal Credit Union | 95-1830 Meheula Pkwy, Mililani 96789 |
| Pentagon | Building 553, Fort Shafter 96858 |
| Hawaii State | 333 Queen St, Honolulu 96813 |
| Hawaiiusa | 1226 College Walk, Honolulu 96817 |
| Operating Engineers Local Union #3 | 2181 Lauwiliwili St # 120, Kapolei 96707 |
| Aloha Pacific | 832 S Hotel St, Honolulu 96813 |
| Matanuska Valley | 94-226 Leoku St Unit 4, Waipahu 96797 |
| Hawaiian Financial | 1138 N King St, Honolulu 96817 |
| Lokahi | 98-1005 Moanalua Rd Spc 245, Aiea 96701 |
| University Of Hawaii | 2019 S King St, Honolulu 96826 |
| I.L.W.U. | 680 Iwilei Rd, Honolulu 96817 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Honolulu County
All Hawaii counties and cities
Frequently asked questions
Are payday loans legal in Honolulu County?
Honolulu County follows Hawaii law. Payday lending is no longer allowed in Hawaii.
Are title loans legal in Honolulu County?
No Hawaii law specifically licensing car title loans was found.
Where can I get a small loan in Honolulu County?
Options include 143 bank and 101 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Honolulu County?
Fill out our short online form from anywhere in Honolulu County. We share it with lenders in our network that serve Hawaii; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
What is the median household income in Honolulu County?
The median household income in Honolulu County is $106,195 a year, compared with $100,389 across Hawaii (Census ACS 2020–2024). Lenders look mainly at steady income you can show, such as paystubs or regular benefit deposits.
Can I get a loan on Social Security income in Honolulu County?
You can apply. 35.4% of Honolulu County households receive Social Security income (Hawaii: 37.8%). Many lenders in our network accept regular benefit deposits as income if they go into a checking account in your name.
What is the unemployment rate in Honolulu County?
2.9% in August 2026, up from 2.2% a year earlier (U.S. Bureau of Labor Statistics, not seasonally adjusted). If you're between jobs, some lenders accept other regular income such as benefits.
Are there loan stores near me in Honolulu County?
Honolulu County had 7 consumer-lending businesses and 11 check-cashing and other credit-service businesses in 2023 (Census County Business Patterns). You can also skip the trip and request a loan online in about 3 minutes.
What is the average rent in Honolulu County?
Median gross rent in Honolulu County is $2,083 a month, compared with $1,971 across Hawaii (Census ACS 2020–2024). If rent is due before payday, a small online loan can cover the gap; compare the total cost first.
Can I get an emergency loan in Honolulu County?
Yes. When an unexpected bill comes up, Honolulu County residents can request an emergency loan online at any time of day. Our 3-minute form goes to lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Where can I get a loan in Honolulu County, HI?
You can apply at banks, credit unions and lenders in Honolulu County, or apply online from anywhere in the county. Online requests are often the quickest way to reach lenders in our network. Our free form sends a single request to lenders in our network that serve Hawaii residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.