Payday Loans in Honolulu, HI 96813
- Instant Loan Decision
- Safe and Secure Payday Loans
- Loans With Bad Credit
- Customer Service 24/7
- No Hard Credit Checks
How to Get a Payday Loan in Honolulu, HI
Applying for a payday loan from 1F Cash Advance is a straightforward process. There’s no useless paperwork or faxing required. We accept borrowers with any type of credit score. By following a couple of steps, you can apply for Honolulu payday loans and cover your unexpected expenses today!
In-Store Application
Come to visit our store and let us help you through the application. The branch manager is here to guide you!
Apply by Phone
Call us at
(808) 517-5993
and submit the request by phone or get a link to the form via SMS.
Use a Mobile App
Download our mobile app for Android and iOS and apply via your smartphone at any moment.
Products and Services at 1F Cash Advance Store in Honolulu
Here are the most frequently requested options available to Anchorage residents.
Anchorage Payday Loans
Pay off your utility bills or car repairs with a payday loan. Get up to $600 with a maximum term of 32 days. It is available even for bad credit scores.
Installment Loans
If you need more than 600 dollars, apply for installment loans. We offer up to $5,000 with a maximum term of 36 months. The minimum annual percentage rate is 6.63%.
Title Loans
Get a title loan and secure it with your vehicle. You’re allowed to drive your car while you repay the debt. The loan amount and term depend on your vehicle’s value.
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
Hours:
Monday – Friday: 8:00 am to 10:00 pm
Saturday: 9:00 am to 6:00 pm
Sunday: Closed
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!
We’re a Local Company That Helps Locals!
1F Cash Advance provides reliable support when you need it most. Check out feedback from the customers we’ve helped.
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.
1001 Highlands Plaza Drive STE 250, St. Louis, MO 63110
[email protected]
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.
Frequently Asked Question
How do I repay my payday loan?
You can repay it electronically by setting up automatic payments, or the lender will withdraw the loan amount and its costs from your bank account on your next paycheck.
Can I repay my payday loan ahead of the due date?
Yes, our direct lenders enable early loan repayment of payday loans. Contact your lender and set the early repayment terms.
What will happen if I don’t repay the cash advance loan on time?
The lender might sell your debt to debt collectors. They can sue you in court if you don’t repay the loan within the set period.
