Payday loans in Honolulu, Hawaii | finder.com

Compare your loan options in Honolulu, Hawaii

Read this guide to find out what you need to know about payday loans in Honolulu.

You might be short on cash and looking to borrow a small amount if you’re looking into payday loans. This guide outlines the key details about Honolulu short term loans so that you can decide if getting a one is right for you.

Short-term loans, which include payday loans and installment loans, are quick ways to get the cash you need even if you don’t have the best credit. In Honolulu, lenders will have to follow Hawaii’s payday loan laws before issuing you a loan.

Check into Cash Payday Loan

Check into Cash Loans

Check into Cash allows you to directly apply for a payday loan and have your cash when you need it.

  • Min. Loan Amount: $50
  • Loan Term: Varies by state
  • Turnaround Time: 1–2 business days
  • Total Costs: Varies depending on the amount and your state of residency.
  • Must be 18+
  • No security needed
  • Confidential and secure!

    What should I know about payday loans in Honolulu?

    Hawaii sets the maximum loan amount at $600. Your loan term must be less than 32 days, and the financing fee is 15% of the check value. This means payday loans carry an interest rate of 459%, so you should only take out as much as you need and repay it as quickly as possible to avoid extra charges.

    You can read more information on payday loans in Hawaii here

    Consider these lenders for a short-term loan in Honolulu

    Rates last updated April 20th, 2018
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Maximum Loan Amount Term of Loan Turnaround Time Requirements
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    $1,000
    Varies by state
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
    $250
    7–30 days
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    ACE Cash Express Payday Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.
    LoanByPhone Payday and Installment Loans
    This mobile lender offers convenient cash loans. Apply online or by phone.
    $3,000
    Varies by state
    1–2 business days
    Must be 21 years old and have a Social Security number, a regular source of income, a valid email address, an active checking account and a phone number.
    BadCreditLoans.com
    With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
    $5,000
    3 to 36 months
    Varies
    Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.

    Compare up to 4 providers

    How a short term loan in Honolulu might benefit you

    • Money however you need it. When you apply at a store, you can get your loan in the form of a check or cash or have it deposited directly into your bank account. Online loans will be deposited into your bank account, but from there you can use the money for whatever purpose you want.
    • High maximum term. Hawaii gives residents up to 32 days to pay back their loan. When you’re reading your contract, see if you can set the term at this maximum instead of the average 14-day term most lenders provide.
    • No rollovers permitted. In order to prevent the hefty fees that come with rolling over a loan, residents of Honolulu and Hawaii in general can’t roll over a payday loan.

    Olivia needs money to pay late bills

    woman applying payday loan

    Olivia had a bad month after her car broke down and she had to use most of her paycheck to pay for repairs. Now her bills are due, and she doesn’t have the money to pay for them. The steep late charges also mean that she owes more money as time goes on, so she knows she has to get things under control before things get really expensive.

    Unfortunately, her bad credit means she isn’t able to get a personal loan or a credit card. A friend suggests she look into a payday loan. Olivia finds a lender online that approves her for a loan of $500. She reads the contract carefully because she’s heard about how much these loans can cost, and sees that she’ll have to pay back $588.23 on the loan’s due date in three weeks.

    Olivia decides to go for it. She picks up an extra couple shifts at work and makes sure she has enough in her account for when the lender debits the money. After all is said and done, Olivia decides to open a savings account with her bank to prevent this sort of situation in the future.

    Here’s what you need to submit your application

    Start by comparing your options here, then click the Go to Site button when you’ve decided on a lender. You’ll be taken to an application page where you can submit your personal information, including your name, Social Security number and a valid form of ID. Lenders will also want to know about your gross monthly income and details about your employment, and if you apply online, you’ll also need to supply access to your bank account.

    You can also decide to apply in-store. Lenders will want you to bring the physical documents as well as a post-dated check.

    Whether you apply online or in-store, you’ll need to be at least 18 years old and be a US citizen or permanent resident. Most lenders will also require that you have a regular source of income when you fill out the application.

    Payday loan stores near you in Honolulu, Hawaii

    Here’s where you can get a loan in Honolulu

    • Advance Til Payday. 1365 Nuuanu Ave # 1, Honolulu, HI 96817
    • Cash N Advance. 2028 Dillingham Blvd # D, Honolulu, HI 96819
    • Easy Cash Solutions. 1734 Kalakaua Ave, Honolulu, HI 96826
    • Easy Money EMG. 3131 N Nimitz Hwy #108, Honolulu, HI 96819
    • Hawaii Check Cashing. 1284 Kalani Street 103, Honolulu, HI 96817
    • Money Mart. 1734 Kalakaua Ave, Honolulu, HI 96826
    • Payday Loans & Check Cashing. 94-801 Farrington Hwy, Waipahu, HI 96797
    • PayDayHawaii. 4510 Salt Lake Blvd., Stadium Mall Shopping Center A-3, Honolulu, HI 96818
    • Safety Loans Co. 2065 S King St # 105, Honolulu, HI 96826

    This is how much a payday loan might cost you

    Payday lenders are allowed to charge 15% of the check value as a fee when financing your loan. This means that residents of Honolulu will have to pay $15 for every $100 they borrow. If you decide to take out the maximum amount of $600, you’ll end up paying back $90 in fees. While it may not seem like a lot, this results in an annual percentage rate (APR) well in the hundreds.

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    US Payday Loans Offers

    Important Information*
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

    Go to site