Payday loans are not available in Hawaii. Here is what the law says, how to spot unlicensed lenders and what you can do instead.
Hawaii repealed single-payment payday lending outright (HB 1192, 2021) with the change effective on 2022-01-01. It was replaced by a separately licensed installment loan product. The Division of Financial Institutions can confirm whether a lender is licensed in Hawaii.
Hawaii Payday Loan Regulations
Here's what fees you can expect when obtaining online payday loans in Hawaii:
| Payday lending status in Hawaii: |
Prohibited |
| Reason |
Single-payment payday lending repealed outright (HB 1192, 2021; effective 2022-01-01) - replaced by a separately-licensed installment loan product |
| State Regulator |
Hawaii Division of Financial Institutions (DCCA)
|
Table Data Updated: September 2026.
Above you can see what fees you can expect when obtaining online payday loans in Hawaii.
Licensed Installment Lenders in Hawaii
Payday Loans & Cash Advance In Hawaii Near Me From Direct Lenders
Money Mart
5.0★★★★★(809 reviews)
1419 Dillingham Blvd, Honolulu, HI 96817, USA
Money Mart
4.9★★★★☆(647 reviews)
435-B, 435 Atkinson Dr Ste B, Honolulu, HI 96814, USA
Money Mart
4.9★★★★☆(295 reviews)
719 Kamehameha Hwy a101, Pearl City, HI 96782, USA
OneMain Financial
4.4★★★★☆(35 reviews)
2320 S King St, Honolulu, HI 96826, USA
OneMain Financial
3.7★★★☆☆(21 reviews)
94-866 Moloalo St Ste D-2, Waipahu, HI 96797, USA
Installment Loans of Hawaii (Formerly PayDay Loans)
4.3★★★★☆(6 reviews)
74-5605 Luhia St Suite A4-A, Kailua-Kona, HI 96740, USA
Swift Personal Loan's
4.8★★★★☆(4 reviews)
1323 Nuuanu Ave, Honolulu, HI 96817, USA
Payday Loans & Check Cashing Store
3.7★★★☆☆(3 reviews)
80 Pauahi St STE 102, Hilo, HI 96720, USA
Collateral Loans Hawaii
5.0★★★★★(3 reviews)
by appointment only:, 1188 Bishop St, Honolulu, HI 96813, USA
Sharp Personal Loans
5.0★★★★★(3 reviews)
1501 Dillingham Blvd, Honolulu, HI 96817, USA
No locations found for that city. Show all
Find Payday Loan Locations Near You in Hawaii
Payday Loans Are Not Available in Hawaii
Classic payday loans are not legally available in Hawaii: Single-payment payday lending repealed outright (HB 1192, 2021; effective 2022-01-01) – replaced by a separately-licensed installment loan product.
That protects borrowers from triple-digit rates, but it also means that a site or lender offering you a payday-style loan in Hawaii deserves a hard look. Below you will find the rules, how to check a lender, and legal ways to get cash when you are short.
Why Use MaybeLoan in Hawaii
MaybeLoan is a free comparison service, not a lender. We show you lenders licensed installment lenders, not payday lenders, and you choose. We are paid by lenders when you apply through our links, which does not cost you anything. Whatever you pick, read the total cost and the due date first.
Attention!
Be careful with online lenders that offer payday-style loans in Hawaii. If a lender is not licensed in the state, you can report it to the regulator.
What You Can Do Instead in Hawaii
- Talk to the people you owe. A payment plan on a bill is usually free.
- Credit unions. PALs from federal credit unions come with a capped rate, and membership in Hawaii is often easy.
- Employer help. Some employers offer paycheck advances or earned wage access.
- Community help. 211 and county services can cover rent, utilities and food.
- Licensed small loans. Compare the total cost before you accept.
Who to Contact About a Lender in Hawaii
Report a problem to the Hawaii Division of Financial Institutions (DCCA).
Sources: Hawaii DCCA, Pew Charitable Trusts, CNBC. Data last checked: 2026-09. This page is general information, not legal advice.
Frequently Asked Questions About Payday Loans in Hawaii
No. Payday loans are not legally available in Hawaii.
Single-payment payday lending repealed outright (HB 1192, 2021; effective 2022-01-01) - replaced by a separately-licensed installment loan product.
A lender charging above the legal rate limit is operating outside state law. Report suspected violations to the state regulator below.
Options include a payday alternative loan (PAL) from an NCUA credit union, a local credit union personal loan, a hardship plan from your utility or landlord, or a nonprofit credit counselor. This page does not link to payday-style offers for Hawaii because the product is not legally available here.
The Hawaii Division of Financial Institutions (DCCA).
Not legally. Payday cash advances are not available in Hawaii, online or in a store. A lender that offers one is not following state law. Use the legal options listed on this page instead.
Single-payment payday lending repealed outright (HB 1192, 2021; effective 2022-01-01) - replaced by a separately-licensed installment loan product.
Payday loans are not legally available in Hawaii, with or without a credit check. An offer that says otherwise is not following state law. Check the lender with the Hawaii Division of Financial Institutions (DCCA) before you share bank details.
A lender that makes loans to Hawaii residents is expected to hold a Hawaii license. If one says it does not need a license, contact the Hawaii Division of Financial Institutions (DCCA) before you share bank details.
No. MaybeLoan is not a lender and does not make loan decisions. It is an online service that helps you find lenders and compare options.
No. Using MaybeLoan is free for borrowers. Lenders may pay MaybeLoan when you apply through our links, which is how the service stays free.
Ryan Abramson is an independent financial consultant with 20+ years in banking and consumer credit. He has held senior roles at two U.S. banks, advising clients on lending products, credit risk, and personal finance strategies. Ryan holds dual degrees in economics and finance. His writing on MaybeLoan focuses on helping borrowers understand loan terms, compare lenders, and make informed decisions under financial pressure.
