Loans in Kauai County, HI: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Kauai County, HI.
The median household in Kauai County earns $97,668 a year, about the same as the Hawaii median of $100,389. About 9% of residents live below the federal poverty line, and 31.4% of households rent their home.
What you need for a personal loan in Kauai County
Here's what to have on hand before you start your personal loan request in Kauai County:
- 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 Kauai County
What Kauai County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Kauai 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 Kauai County
Banks with branches in Kauai County
14 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Hawaiian Bank | 5 | 4-1366 Kuhio Hwy, Kapaa 96746 |
| Bank of Hawaii | 4 | 5-4280 Kuhio Highway, Princeville 96722 |
| American Savings Bank, National Association | 2 | 4454 Nuhou St, Lihue 96766 |
| Central Pacific Bank | 1 | 4454 Nuhou Street, Suites 408 And 409, Lihue 96766 |
| Bank of Hope | 1 | 4454 Nuhou St, Lihue 96766 |
| Finance Factors, Ltd. | 1 | 4393 Kukui Grove St Ste A, Lihue 96766 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Kauai County
18 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Hawaiiusa | 3-2600 Kaumualii Hwy, Lihue 96766 |
| Aloha Pacific | 8254 Kekaha Rd, Kekaha 96752 |
| Gather | 4493 Pahee St, Lihue 96766 |
| Kauai | 2976 Ewalu St, Lihue 96766 |
| Garden Island | 3417 Poipu Rd # 701, Koloa 96756 |
| Kauai Ohana | 2969 Umi St, Lihue 96766 |
| Mcbryde | 4469 Waialo Road, Eleele 96705 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Kauai County
All Hawaii counties and cities
Frequently asked questions
Are payday loans legal in Kauai County?
Kauai County follows Hawaii law. Payday lending is no longer allowed in Hawaii.
Are title loans legal in Kauai County?
No Hawaii law specifically licensing car title loans was found.
Where can I get a small loan in Kauai County?
Options include 14 bank and 18 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 Kauai County?
Fill out our short online form from anywhere in Kauai 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 a loan in Kauai County with bad credit?
Yes, many lenders in our network work with Kauai 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.
Can I apply for a loan online in Kauai County?
Yes. You don't need to visit a branch or storefront anywhere in Kauai 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 Kauai 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. Kauai County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Kauai County, HI?
You can apply at banks, credit unions and lenders in Kauai 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.