Hawaii Payday Loans
You bounce a check or are late on bills and you pay a penalty fee. You get a payday loan and you pay an interest rate. But no matter what it's called or how it's measured, the cost is in dollars. So sometimes payday loans are the cheapest option. This page has what we have found are the lowest online loan rates for people living in Hawaii. If you know of a online lender with cheaper rates for your state, please contact us.
PaydayOne.com
Finance Charges
| Loan Amount |
Interest and Fees |
Total Due |
APR 14 days |
| $100 | $17.50 | $117.50 | 456.25% |
| $150 | $26.25 | $176.25 | 456.25% |
| $200 | $35.00 | $235.00 | 456.25% |
| $250 | $43.75 | $293.75 | 456.25% |
| $300 | $52.50 | $352.50 | 456.25% |
| $350 | $61.25 | $411.25 | 456.25% |
| $400 | $70.00 | $470.00 | 456.25% |
| $450 | $78.75 | $528.75 | 456.25% |
| $500 | $87.50 | $587.50 | 456.25% |
Terms
The maximum payday loan for Hawaii residents is $500The maximum loan term is 32 days.
Requirements
You must be at least 18 years old and have:- A job or proven source of income
- An email address
- A verifiable phone
- A checking account in good standing (PayDay One defines an account in good standing if it shows 30 days of transaction history without any non-sufficient fund transactions, returned checks, overdraft charges, or negative account balances.)
Guarantee
If you find a lower price from another similarly licensed online lender we'll match it.CashCentral.com
Finance Charges
| Loan Amount |
Interest and Fees |
Total Due |
APR 14 days |
| $100 | $17.64 | $117.64 | 459.90% |
| $200 | $35.28 | $235.28 | 459.90% |
| $300 | $52.92 | $352.92 | 459.90% |
| $400 | $70.56 | $470.56 | 459.90% |
| $500 | $88.20 | $588.20 | 459.90% |
Terms
The maximum payday loan for Hawaii residents is $500.The maximum loan term is 18 days.
Requirements
You must be at least 18 years old and:- Have been employed three months or longer.
- Take home a minimum of $1,000 monthly (after taxes).
- Have a valid checking account in your name.
- Have current (and valid) home and work telephone numbers.
- Be a U.S. citizen.
Relevant Legal Excerpts for Hawaii Payday Loans
Section 480F-4 Deferred deposits, when allowed.
(a) No check casher may defer the deposit of a check except as provided in this section.
(b) Each deferred deposit shall be made pursuant to a written agreement that has been signed by the customer and the check casher or an authorized representative of the check casher. The written agreement shall contain a statement of the total amount of any fees charged for the deferred deposit, expressed both in United States currency and as an annual percentage rate. The written agreement shall authorize the check casher to defer deposit of the personal check until a specific date not later than thirty-two days from the date the written agreement was signed. The written agreement shall not permit the check casher to accept collateral.
(c) The face amount of the check shall not exceed $600 and the deposit of a personal check written by a customer pursuant to a deferred deposit transaction may be deferred for no more than thirty-two days. A check casher may charge a fee for deferred deposit of a personal check in an amount not to exceed fifteen per cent of the face amount of the check. Any fees charged for deferred deposit of a personal check in compliance with this section shall be exempt from chapter 478.
(d) A check casher shall not enter into an agreement for deferred deposit with a customer during the period of time that an earlier agreement for a deferred deposit for the same customer is in effect. A deferred deposit transaction shall not be repaid, refinanced, or consolidated by or with the proceeds of another deferred deposit transaction.
(e) A check casher who enters into a deferred deposit agreement and accepts a check passed on insufficient funds, or any assignee of that check casher, shall not be entitled to recover damages in any action brought pursuant to or governed by chapter 490. Instead, the check casher may charge and recover a fee for the return of a dishonored check in an amount not greater than $20.
(f) No amount in excess of the amounts authorized by this section and no collateral products such as insurance shall be directly or indirectly charged by a check casher pursuant or incident to a deferred deposit agreement.
DISCLAIMER: The documentation on this site is for informational purposes only and is not intended to be a legal substitute for the official versions. There is no guarantee for accuracy, completeness, or timeliness of the information provided. Refer to the lender for the fees charged or other loan questions. Consult with your legal advisor for help in interpreting individual statutes. All ownership rights for the material not original to this site remain with the respective copyright holders.