Payday Loan Alternatives in Honolulu, HI
at 1132 Bishop Street suite 126, 96813
- (808) 517-5993
- 2+ years in business
- Apply in-store 8:00 am - 10:00 pm (Mon-Fri)
- Open on Saturday
- Installment loans
- Online application 24/7
1F Cash Advance Store in Honolulu
If you need quick financial help in Honolulu, 1F Cash Advance is here for you. Our store is conveniently located near iconic spots like Aloha Tower, Iolani Palace, and Kawaiahao Church, making it easy to find us. Whether you face an unexpected medical bill, a car breakdown, or other unforeseen expenses, you can apply for a small dollar loan with us and receive the money you need on the same day.
Applicants with bad credit or no credit history can qualify. The process is fast and straightforward—walk in, complete your application, and receive instant cash in minutes. Our team will assist you at every step. With 1F Cash Advance, getting funds to cover urgent expenses is simple and safe.
- Monday8 am – 10 pm
- Tuesday8 am – 10 pm
- Wednesday8 am – 10 pm
- Thursday8 am – 10 pm
- Friday8 am – 10 pm
- Saturday9 am – 6 pm
- SundayClosed
Installment Loans
Julian Andrews
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Our Loan Solutions
1F Cash Advance in Honolulu offers safe and legal alternatives to payday loans, as traditional short-term deferred-deposit loans are banned due to their high cost and the risk of falling into a debt trap:
Installment Loans
Max. amount $1,500
Installment loans allow you to get up to $1,500 for larger needs, such as medical expenses or debt consolidation. Payments are spread out evenly over a period of up to 12 months. Fixed and affordable monthly payments provide stability and make it easier to handle your debt.
3 Easy Steps to Apply
Getting a loan in Honolulu is easy and fast at 1F Cash Advance:
Fill out a simple application
You only need to provide a few basic documents. The form takes about five minutes to complete, and our staff will make the process smooth.
Get instant approval
No credit check is required. Most applicants receive a decision almost immediately.
Receive your funds the same day
If approved, get instant cash at a store or request a same-day direct deposit to your bank account.*
*Instant cash is available to borrowers who provide a post-dated check. For bank deposits, loans finalized before 10:30 am on weekdays are funded the same day. Applications approved after this time, on weekends, or on holidays will be processed on the next business day.
What to Bring for Your Application
For your in-store application, please have the following items ready:
- Social Security Number
- Valid government-issued photo ID
- Proof of income
- Proof of address
- Bank account number and routing number
- Valid email address and cell phone number
About 1F Cash Advance in Honolulu, Hawaii
1F Cash Advance has been helping Honolulu residents access quick emergency funds since 2019. In 2023, we opened our local store to provide a trusted, convenient place where borrowers can discuss their needs in person and get financial help within their community. People with any credit can apply and receive the fair financial solutions they deserve. Our process is simple and secure, and you can get your money the same day you’re approved. Our friendly staff will guide you through every step.
We offer personal installment loans in Honolulu to meet your specific needs. There are no hidden fees to ensure you will always know what to expect before you sign the documents. At 1F Cash Advance in Honolulu, we value your privacy and want you to feel confident about your choice.
Responsible Borrowing
In Hawaii, payday loans are no longer legal because of their high costs and the risk of long-term debt. The law now allows only small-dollar installment loans with a 36% APR cap. At 1F Cash Advance, we comply with these rules and provide installment loans as a safe, legal way to cover urgent expenses.
Even with these safeguards, it’s important to borrow responsibly. Review your loan agreement carefully, paying attention to the interest rate, total repayment amount, and any additional fees. Only take out a loan if you can afford the payments and have a clear repayment plan in place.
FAQ
Are payday loans allowed in Hawaii?
Traditional payday loans are prohibited in Hawaii to protect borrowers from debt cycles. State laws set interest rate caps and require repayment in installments, making debt easier to manage over time.
What is the maximum amount I can borrow in Honolulu?
With 1F Cash Advance, you can get up to $1,500 with a small installment loan. The exact amount will depend on your income and financial situation.
Can I qualify for a small dollar loan in Honolulu if I have bad credit?
Yes, you can still be approved even with bad credit. At 1F Cash Advance, we run a soft credit check and pay more attention to your current income than your credit history. A low credit score will not automatically disqualify you from getting a loan.
How quickly will I receive funds after approval?
If you apply for a loan in-store and choose to repay via a post-dated check, you can get instant cash right away. For loans transferred via a direct deposit, common terms are as soon as the next business day after approval. Loans originated before 10:30 am on weekdays are usually funded the same day.
What should I do if I can’t make my payment on time?
Contact your lender right away to discuss your situation and possible solutions. Acting early may help you avoid extra fees. Review your budget and ask whether payment extensions or new terms are available. Always borrow only what you can repay.
