Payday Loan Alternatives in Honolulu, HI
at 1132 Bishop Street suite 126, 96813
- (808) 517-5993
- 3+ years of in-store operation in Honolulu
- 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 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 through us and receive the money you need on the same day.
Applicants with bad credit or no credit history may qualify. The process is fast and straightforward—walk in, complete a short application, and receive cash in minutes. Our team is with you every step of the way. With 1F Cash Advance, getting funds to cover urgent expenses is fast and simple.
- 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
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 several months. Fixed monthly payments provide stability and make it easier to manage your debt.
Installment Loan Costs vs Other Credit Options
| Option | Typical APR |
|---|---|
| Hawaiʻi-licensed installment loan (our lenders) | Up to 36% |
| Bank credit card cash advance | ~18%1 |
| Military Lending Act-covered credit | Capped at 36% (Military Annual Percentage Rate)1 |
| Traditional payday loan (not available in HI) | 260%–780%+ |
Rates shown are representative examples, not offers. Actual terms depend on creditworthiness, lender, and loan type.
3 Easy Steps to Apply
Getting a loan in Honolulu is easy and fast through 1F Cash Advance:
Fill out a simple application
You need to provide just a few basic documents. The form takes about five minutes to complete, and our staff will make the process smooth.
Get a fast decision
Applicants usually receive a decision in minutes. Most lenders use a soft credit check, but if a hard pull is required after accepting an offer, you will be notified.
Receive your funds the same day
If approved, get a direct deposit into your account on the same day or by the next business day.*
*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 emergency funds quickly since 2019. In 2023, we opened our local store where borrowers can discuss their needs in person and get financial help within their community. People with any credit history are welcome to apply, as eligibility is determined based on income and employment. Our process is simple and secure, and you can get your money the same day you apply. Our friendly staff will guide you through every step.
Our lenders offer personal installment loans in Honolulu for a wide range of needs. All the fees are clearly outlined in the loan agreement, so you will know what to expect before you sign. At 1F Cash Advance in Honolulu, we value your privacy and want you to feel confident in your decision.
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.
Before You Borrow: Hawaiʻi State Financial Assistance
If your need is tied to a temporary income gap, food costs, or housing emergency, it’s worth checking whether you qualify for no-cost help before taking on debt.
The Hawaiʻi Department of Human Services accepts a combined application for Financial Assistance and SNAP (food) benefits. Households facing an urgent shortfall (for example, rent/utility costs that exceed income, or liquid resources under $100 with income under $150/month) may qualify for expedited SNAP review within seven calendar days.
FAQ
Are payday loans allowed in Hawaii?
Traditional payday loans are prohibited in Hawaii to protect borrowers from high costs and risks of debt cycles. State laws set interest rate caps and require repayment in installments, making debt easier to manage.
What is the maximum amount I can borrow in Honolulu?
Through 1F Cash Advance, you can get up to $1,500 with a small installment loan. The exact amount will depend on the lender, your income, and creditworthiness.
Can I qualify for a small dollar loan in Honolulu if I have bad credit?
Yes, you can still be approved with bad credit. Our lenders are more focused on your current income than on your credit history. A low credit score will not automatically disqualify you from getting a loan.
How quickly will I receive funds after approval?
Funds are typically deposited 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. Reaching out early can help you avoid extra fees. Review your budget and ask about payment extensions or modifying loan terms. Always borrow only what you can repay.
Sources
- 1 First Hawaiian Bank — Priority Unlimited World Mastercard Credit Card Agreement. Effective June 1, 2023.
- 2 State of Hawaiʻi Department of Human Services, Benefit, Employment, and Support Services Division — Application for Financial and SNAP Assistance (DHS 1240, Rev. 12/2024).
