Payday Loans in Honolulu, HI 96813

How to Get Payday Loans in Honolulu, HI

Visit our store at 1132 Bishop Street suite 126, Honolulu, HI 96813, and get the payday loan you want within 24 hours. No hard checks or FICO rating requirements can keep you from getting extra money for your expenses. Need help deciding what loan to choose? Our staff is here to assist you with finding the right payday lender with reasonable financing costs for your situation.

1132 Bishop Street suite 126, Honolulu, HI 96813

(808) 517-5993

[email protected]

Hours:
Monday – Friday: 8:00 am to 10:00 pm
Saturday: 9:00 am to 6:00 pm
Sunday: Closed

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Are you tired of being denied by traditional lenders? You can apply with a bad credit score or no credit history. Just submit the loan application at our store or online!

Get a Payday Loan from a Direct Lender in Other Branches

Citizens of other cities in Hawaii can visit the Honolulu store. The application can be completed just in several minutes. If you are from Kalihi-Palama, Ala Moana, Oahu, or Kaka Ako, you can apply for a payday loan and forget your financial problems.

Are you not from Hawaii? You can apply for a payday loan in New Mexico, Louisiana, Indiana, Alabama, Virginia, and South Carolina, or check out our locations in other states below.

Legal Status of Payday Loans in Honolulu, HI

Payday loans are legal in HI, as stated by 26 Hawaii Rev. Stat. Ann. § 480F-1 et seq1. However, there are several regulations to remember:

Loan Amounts: Hawaii limits the maximum 600-dollar loan amount a borrower can take out. It helps protect consumers from excessive debt and traps caused by high-interest loans.

Interest Rates: The maximum APR that lenders can charge on payday loans is 459%. These rates are typically much higher than traditional loans due to the short-term nature of payday loans.

Loan Terms: Hawaii lending laws regulate the time a consumer has to repay the loan, and it doesn’t exceed 32 days. The terms often align with the borrower’s next payday.

Cooling-off Period: Cooling-off periods require a borrower to wait a specific period before taking out another payday loan. But there is no cooling-off period in Hawaii.

Additional fees and rollovers: The extra charges set by Honolulu lending laws are at most 7% of the loan. Also, the NSF fee is $20, and no rollover is permitted in Hawaii.

What Do You Need to Apply at a Honolulu Store?

If you need a payday loan, an installment loan, or a title loan, you must meet the following requirements:

• Have a physical address, cell phone number, email, Social Security number, and Individual Taxpayer Identification number;
• Valid ID and be at least 18 years old;
• Income confirmation: pay stubs or bank statements;
• Financial details: your checking account number and bank Routing number.