Hawaii Payday Loans

Payday loans in the state of Hawaii are a little different than those in most other states. Payday loans are only able to be granted by check-cashing companies. Borrowers must sign a written contract that outlines the terms of the payday loan. Lenders are only permitted to loan up to $600 per transaction. Lenders in Hawaii, like the lenders in Honolulu, are not able to take criminal or civil action against borrowers who are unable to pay back their loans. The maximum finance rate that can be charged is 15%. Payday loan lenders are not allowed to take any criminal action against borrowers, unless they are given a check that is returned because of a stop-payment put in place by the borrower, or a check that is returned because of a closed account. There are no regulations on whether or not a lender must offer a repayment plan to a borrower who is unable to pay the loan back by the end of the lending period.

Loan Length

Hawaii regulates that payday loans may have a maximum term of 32 days.

Number of Outstanding Loans

Borrowers may only have one outstanding payday loan at a time.


Rollover or renewal of payday loans is not permitted. Borrowers are also not permitted to consolidate several loans, or to refinance any existing loan.

Zelo's Inc.
Po Box 3249
Princeville, HI 96722
Cash in Advance
880 Kamehameha Highway Suite
Honolulu, HI 96813
1616 Liliha Street 3rd Floor
Honolulu, HI 96817
Ace America's Cash Express
2000 South Beretania Street
Honolulu, HI 96826
Check To Go
45-1055 Kamehameha Highway
Kaneohe, HI 96744
Payday Advance
94-300 Farrington Highway
Waipahu, HI 96797
Payday Hawaii
4-901 Kuhio Highway Suite G
Kapaa, HI 96746
Ace Cash Express
1726 Kapiolani Boulevard
Honolulu, HI 96814
Hawaii Check Cashing
74-5590B Palani Road
Kailua Kona, HI 96740
Cash in Advance
1004 Valkenburgh Street
Honolulu, HI 96818

Hawaii Loan Statistics

Pay Schedule
Average Loan Average Age Weekly Bi-Weekly Monthly Twice Per Month Home Owner Renter