Loans in Hawaii County, HI: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Hawaii County, HI.
The median household in Hawaii County earns $78,639 a year, 22% below the Hawaii median of $100,389. About 15% of residents live below the federal poverty line, and 26.0% of households rent their home.
What you need for a personal loan in Hawaii County
Most Hawaii 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
Popular loan amounts in Hawaii County
What Hawaii County borrowers use it for
the fastest options online
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Hawaii 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.
Banks and credit unions in Hawaii County
Banks with branches in Hawaii County
26 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank of Hawaii | 8 | 74-5457 Makala Blvd, Kailua Kona 96740 |
| First Hawaiian Bank | 7 | 1205 Kilauea Ave, Hilo 96720 |
| American Savings Bank, National Association | 3 | 100 Pauahi St, Hilo 96720 |
| Central Pacific Bank | 2 | 525 Kilauea Ave, Hilo 96720 |
| Bank of Hope | 2 | 75-1027 Henry St, Kailua-Kona 96740 |
| Finance Factors, Ltd. | 2 | 75-1022 Henry St, Kailua Kona 96740 |
| Mechanics Bank | 1 | 120 Waianuenue Ave, Hilo 96720 |
| Hawaii National Bank | 1 | 2100 Kanoelehua Ave, Hilo 96720 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Hawaii County
36 credit-union locations from 10 credit unions.
| Credit union | Location |
|---|---|
| Hawaii First | 67-1187 Mamalahoa Hwy, Kamuela 96743 |
| Hawaiiusa | 375 Kekuanaoa St, Hilo 96720 |
| Hfs | 632 Kinoole St, Hilo 96720 |
| Hawaii Community | 73-5611 Olowalu St, Kailua Kona 96740 |
| Cu Hawaii | 75-5781 Kuakini Hwy, Kailua Kona 96740 |
| Big Island | 16-594 Kipimana St, Keaau 96749 |
| Hawaii County Employees | 131 Puuhonu Way, Hilo 96720 |
| Onomea | 27-251 Old Mamalahoa Hwy, Papaikou 96781 |
| Hamakua | 28-490 Kaakepa Street, Pepeekeo 96783 |
| Helco | 1437 Kilauea Ave Ste 105, Hilo 96720 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Hawaii County
All Hawaii counties and cities
Frequently asked questions
Are payday loans legal in Hawaii County?
Hawaii County follows Hawaii law. Payday lending is no longer allowed in Hawaii.
Are title loans legal in Hawaii County?
No Hawaii law specifically licensing car title loans was found.
Where can I get a small loan in Hawaii County?
Options include 26 bank and 36 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 Hawaii County?
Fill out our short online form from anywhere in Hawaii 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.
Can I get an emergency loan in Hawaii County?
Yes. When an unexpected bill comes up, Hawaii County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple 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.
Can I get a loan in Hawaii County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Hawaii County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Hawaii County?
Yes. You don't need to visit a branch or storefront anywhere in Hawaii County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Hawaii. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get a loan in Hawaii County with bad credit?
Yes, many lenders in our network work with Hawaii County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.