Personal Loans in Hawaii
Here's what fees you can expect when obtaining online personal loans in Hawaii:
| Personal loan lending status in Hawaii: |
Legal |
| Maximum loan amount in Hawaii: |
No loan-size cap found in the licensed regime; a consumer loan is defined as up to $25,000 (Hawaii Revised Statutes ch. 412) |
| APR cap: |
Precomputed loans: tiered rates of 14%, 10.5%, 7% and 4% a year with a 48-month maximum term. Simple-interest loans, and precomputed loans over 48 months, are capped at 24% APR; late fee 5% |
| Minimum loan term: |
Not specified |
| Maximum loan term: |
48 months for precomputed loans |
| Prepayment penalty: |
Prepayment penalties are banned except on real-estate-secured simple-interest loans of 5 years or more |
| State Regulator: |
Hawaii Division of Financial Institutions (DCCA)
|
Table Data Updated: October 2026.
Above you can see what fees you can expect when obtaining online personal loans in Hawaii.
Personal Loan Locations in Hawaii
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
Personal loans in Hawaii are unsecured installment loans from banks, credit unions, and online lenders. Loan amounts vary widely and pay back over 1 to 7 years with predictable payments.
Personal loans give you a lump sum upfront and a clear repayment schedule. They are commonly used for debt consolidation, home improvement, medical bills, and major purchases.
Benefits of Using MaybeLoan
- See several offers instantly – view real offers side by side with one quick form
- No hard credit pull to compare – the matching process does not affect your credit
- See the full cost upfront – monthly payment, total interest, and APR clearly shown
- From good to fair credit – we work with lenders for a range of credit scores
- Free service – comparing is always free
The Application Process
The process is fully online – no branch visits required.
- Step 1: Enter your basic information – name, address, income, and desired loan amount
- Step 2: Get matched – lenders serving Hawaii review your profile
- Step 3: Compare and choose – select the offer that fits your budget
- Step 4: Get funded – typically within 1-3 business days, sometimes same day
Who Qualifies
To qualify for a personal loan in Hawaii, most lenders require:
- Must be at least 18
- U.S. citizen or permanent resident
- Active checking account in your name
- Steady employment, self-employment, or benefits
- SSN required for identity and credit verification
Different lenders have different minimums. Many online lenders accept scores as low as 580-600.
Personal Loan Rates in Hawaii
Your actual rate depends on your credit score, income, loan amount, and term. Those with fair credit (580-660) typically see rates of 15-30% APR.
MaybeLoan makes it easy to see multiple offers side by side so you can find the best rate available to you in Hawaii.
FAQ - Personal Loans in Hawaii
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.
