Payday loans in Hawaii: what the law allows

No. Hawaii doesn't allow payday loans at typical payday costs. We haven't confirmed Hawaii's car title loan rules yet.

Hawaii

Payday loans

Not allowed

Car title loans

Not confirmed yet

“The Act provides licensing requirements for installment lenders and the repeal of deferred deposit transactions.”

Checked 2026-09-15. Laws change; confirm with the regulator before you borrow.

Before you borrow

A payment plan, a paycheck advance or a credit union payday alternative loan usually costs less than a payday or title loan.

Already behind on a payday loan?

See every way out of the debt you have, including options nobody sells.

The fee, the APR and what renewing the loan adds up to.

Credit union PAL limits, payment and cost next to a payday loan.

Every way to cover a shortfall, priced in dollars, cheapest first.

The warning signs of a fake loan offer, checked one by one.

Are payday loans legal in Hawaii?

No. Hawaii doesn't allow payday loans at typical payday costs.

Are car title loans legal in Hawaii?

We haven't confirmed Hawaii's car title loan rules yet.

How do I check a lender's license in Hawaii?

Look the lender up with Hawaii DCCA Division of Financial Institutions, which licenses lenders in Hawaii.

Do these rules protect service members?

Yes. The Military Lending Act limits payday and car title loans for covered service members to 36%, in every state.

Information, not legal advice. Laws change; confirm with the state regulator.