Payday loans in Hawaii: what's allowed instead

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 The state repealed its payday (deferred deposit) law and, starting January 1, 2022, replaced it with licensed small-dollar installment loans of up to $1,500 at up to 36%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.

Most lenders ask for a few basics: you must be a legal adult, with a valid government-issued ID, a steady source of income, an active checking account in your name, and a phone number and email. Some lenders also ask for recent pay stubs or bank statements. Having these ready makes our 3-minute form quick, and many Hawaii applicants get a decision in minutes.

Usually only a little, if at all. Because many payday lenders don't use a traditional hard credit pull and often don't report to the major bureaus, a payday loan repaid on time typically has little effect on your score. A balance that goes unpaid and reaches collections could hurt it, so borrow an amount you can repay on your due date. Hawaii residents can see their options with our 3-minute form.

You can submit our online form any time, including nights and weekends, and some lenders review requests right away. Funding depends on banking days, though, so money requested on a Saturday or Sunday typically arrives the next business day. Submitting early helps you get in line for the first available deposit. Hawaii residents can start a request now; it takes about 3 minutes.

Yes. You can request a payday loan online from anywhere in Hawaii, using your phone or computer. Our secure form takes about 3 minutes and connects you with lenders in our network that serve Hawaii residents. If you're approved, funds go straight to your checking account, often by the next business day. There's no cost to apply and no obligation to accept.