Loans in Hawaii: payday, personal & title loan laws (2026)

In Hawaii, payday loans are not allowed, car title loans are subject to state rules, and personal installment loans are available from licensed lenders. Below are the verified rules, local lenders and credit unions for all 5 counties and 34 cities with 10,000+ residents.

Request a personal loan in Hawaii

✓ Free to use✓ About 3 minutes✓ No obligation✓ Bad credit OK to apply

1 Choose an amount and fill out the form
2 Get matched with a lender in our network
3 Review your offer and get funded, often next business day

Tip: apply on a weekday morning for the best chance of funding by the next business day.

No hard credit inquiry on our end; lenders may check your credit. Not a lender; approval, amount and terms come from the lender. Example: $1,000 over 12 months at 35.99% APR ≈ $100.46/month.

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.

Hawaii at a glance

1,445,235

Residents

$100,389

Median household income

214

FDIC bank branches

176

Credit-union branches

Counties in Hawaii

Hawaii County Honolulu County Kalawao County Kauai County Maui County

Cities in Hawaii

Frequently asked questions

Are payday loans legal in Hawaii?

Payday lending is no longer allowed in Hawaii. The state repealed its payday (deferred deposit) law and, starting January 1, 2022, replaced it with licensed small-dollar installment loans of up to $1,500 at up to 36% interest.

Are title loans legal in Hawaii?

No Hawaii law specifically licensing car title loans was found. Licensed installment loans under HRS 480J may not be secured by a lien on any real or personal property, so they cannot be title loans.

Is there a cap on personal loan interest rates in Hawaii?

Installment loans up to $1,500: 36% interest plus monthly fee; 12%/24% otherwise.

Do personal loan lenders need a license in Hawaii?

Yes. Installment lenders must be licensed by DFI (application through NMLS). 'Installment lender' includes anyone who offers or makes these loans, arranges one for a third party required to be licensed, or acts as that party's agent, by any method including mail, phone or the internet.