Payday Loans in Hickam AFB, Hawaii

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No payday loan companies in Hickam AFB, HI. Consider companies in other cities:

Company nameAddressZip codePhone number
First Hawaiian Bank (Ewa Beach Branch) 91-919 Fort Weaver Rd, Ewa Beach, HI 96706 +1 (808) 671 - 7006
Payday Loan Store Inc 4-361 Kuhio Hwy, Kapaa, HI 96746 +1 (808) 822 - 2274
M B Remittance Center Hawaii Ltd 2153 N King St 100, Honolulu, HI 96819 +1 (808) 841 - 9889
First Hawaiian Bank Kapolei Branch 590 Farrington Hwy, Kapolei, HI 96707 +1 (808) 674 - 0013
Hawaiian Financial Federal Credit Union 1131 Kuala St, Pearl City, HI 96782 +1 (808) 777 - 3060
American Savings Bank 86-120 Farrington Hwy, Waianae, HI 96792 +1 (800) 272 - 2566
First Money Center 86-084 Farrington Hwy, Waianae, HI 96792 +1 (808) 697 - 9670
American Savings Bank 850 Kamehameha Hwy 164, Pearl City, HI 96782 +1 (800) 272 - 2566
Easy Cash Solutions 848 Ala Lilikoi St, Honolulu, HI 96818 +1 (808) 836 - 0648
Pearl Hawaii Federal Credit Union 585 Port Royal St, Honolulu, HI 96818 +1 (808) 737 - 4328

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hickam AFB, HI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Hilo, HI, Payday Loans in Honolulu, HI, Payday Loans in Kahului, HI, 24-Hour Loan in Kaneohe, HI, Payday Loans in Pearl City, HI and Payday Loan Without a Credit Check in Waipahu, HI. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Hickam AFB, HI.

Beautiful sights of Hickam AFB, HI

Are Payday Loans Legal In Hickam AFB, Hawaii?

Loan Rates and Fees, Laws and Regulations in Hawaii.

Hawaii Loan Regulations

Legal StatusLegal (Applies to check cashers only)
Interest Rate (APR, %)460
Maximum Loan Amount$600
Minimum Loan TermNot Specified
Maximum Loan Term32 days
Number of Rollovers Allowed0
Finance Charges15% of the amount advanced; <$17.65 for $100

Hickam AFB, HI payday loan calculator

Understanding Payday Loans in Hickam AFB, Hawaii

Today, many people across the world resort to payday loans as a way to deal with financial emergencies. If you are a resident of Hickam AFB, Hawaii, seeking financial assistance, you might have wondered if payday loans are legal in your state. The good news is that payday loans are legal in Hawaii, but only for check cashers. This means that payday lending companies cannot issue payday loans in Hickam AFB legally.

What are Payday Loans?

Payday loans are typically short-term loans that you can obtain quickly when you need them. The loan amount is generally limited to a few hundred dollars, and repayment is expected when your next payment or paycheck arrives. These loans are relatively easy to obtain and do not require collateral, making them an attractive option for people in need of fast cash.

How do Payday Loans Work?

Payday loans are granted based on your income and ability to repay the loan amount. To be considered for a payday loan, you must provide proof of income and an active bank account. Once your application is approved, the loan amount is disbursed directly to your bank account. You are required to repay the loan amount on your next payday, along with any applicable fees.

Are Payday Loans Legal in Hickam AFB?

Payday loans in Hickam AFB are legal, but only for check cashers. This means that you cannot get a payday loan from a company that focuses solely on payday lending. Instead, you must visit a check cashing company to obtain a payday loan.

Benefits of Payday Loans in Hickam AFB, Hawaii

  • Quick and easy to access
  • No collateral required
  • No credit check involved
  • Fast cash disbursement

Drawbacks of Payday Loans in Hickam AFB, Hawaii

  • High-interest rates
  • Short repayment term
  • Possible debt trap: borrowers might find themselves caught in a cycle of debt as they continue to take out payday loans to repay previous loans
  • Not all payday lenders in Hickam AFB comply with legal regulations. Borrowers must ensure they work with a licensed and reputable lender.

Interesting Facts about Payday Loans in Hickam AFB, Hawaii

  • In Hawaii, the law requires that payday lenders must be licensed with the State of Hawaii Department of Commerce and Consumer Affairs.
  • According to a report by the Hawaii State Department of Business, Economic Development, and Tourism, the average payday loan borrower takes out 12 loans per year.
  • On average, payday loan borrowers in Hawaii pay an annual percentage rate (APR) of 459%. This is higher than the national average of about 400% for payday loans.

Apply Now!

If you need a payday loan in Hickam AFB, Hawaii, TheGuaranteedLoans can help connect you with potential lenders. Fill out an online application today, and we will help you find a licensed and reputable lender that can meet your financial needs. Please note that TheGuaranteedLoans is a connector service and not a direct lender.

In conclusion, while payday loans can provide a quick solution to financial emergencies, it is essential to understand the benefits and drawbacks before making an informed decision. Borrowers must also ensure that they work with licensed and reputable payday lenders to avoid falling prey to predatory lending practices.

F.A.Q.

Are there any organizations or resources in Hickam AFB, Hawaii that can help me with payday loan debt or financial education?

Yes, there are several organizations and resources in Hickam AFB, Hawaii that can help with payday loan debt and financial education. For example, the Hawaii Credit Union League offers financial education workshops and the Hawaii Community Lending offers credit counseling and debt management services.

Can I file for bankruptcy in Hickam AFB, Hawaii to discharge my payday loan debt?

Yes, you can file for bankruptcy in Hickam AFB, Hawaii to discharge your payday loan debt. However, bankruptcy is a serious financial decision and should only be considered as a last resort.

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