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.
What you need for 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
Popular loan amounts in Honolulu County
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.
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.
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 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.
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 several lenders at once. 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.
Can I apply for a loan online in Honolulu County?
Yes. You don't need to visit a branch or storefront anywhere in Honolulu 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 Honolulu 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. Honolulu County residents can start any time, and it takes about 3 minutes.