Payday Loans in Maunaloa, Hawaii

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

Company nameAddressZip codePhone number
Hawaii First Federal Credit Union 67-1187 Hawaii Belt Rd, Waimea, HI 96743 +1 (808) 885 - 7349
Gather Federal Credit Union 9936 Kaumualii Hwy, Waimea, HI 96796 +1 (808) 245 - 6791
Farm Credit Services Of Hawaii Aca 988 Kinoole St, Hilo, HI 96720 +1 (808) 961 - 3781
Pay Day Hawaii 74-5590 Palani Rd, Kailua-Kona, HI 96740 +1 (808) 329 - 6900
Kahului Federal Credit Union 25 W Kamehameha Ave, Kahului, HI 96732 +1 (808) 871 - 7705
First Hawaiian Bank Kapaa Branch 4-1366 Kuhio Hwy, Kapaa, HI 96746 +1 (808) 822 - 4966
North Shore Gold & Loan 810 Haiku Rd #157, Haiku, HI 96708 +1 (808) 214 - 6527
Territorial Savings Bank 480 Kamokila Blvd 105, Kapolei, HI 96709 +1 (808) 692 - 9800
Affordable Auto Center 66 Kukila St B, Hilo, HI 96720 +1 (808) 935 - 2886
Bank of Hawaii 5-4280 Kuhio Hwy, Princeville, HI 96722 +1 (808) 826 - 6551

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Maunaloa, HI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Hilo, HI, 24-Hour Loan in Honolulu, HI, Payday Loans in Kahului, HI, 24-Hour Loan in Kaneohe, HI, Payday Loans in Pearl City, HI and Payday Loans 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 Maunaloa, HI.

Beautiful sights of Maunaloa, HI

Payday Loans Available in Maunaloa, HI By The Following ZIP Codes:

96770

Are Payday Loans Legal In Maunaloa, 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

Maunaloa, HI payday loan calculator

Understanding Payday Loans in Maunaloa, Hawaii

If you’re in a financial bind and need cash quickly, you may be considering a payday loan. In Maunaloa, Hawaii, payday loans are legal for check cashers. Here’s what you need to know about payday loans in Maunaloa and how they work.

What are Payday Loans?

Payday loans are short-term loans designed to help you bridge the gap until your next paycheck. They’re typically for small amounts, usually up to $500, and you’re expected to repay the loan in full by your next payday.

Payday loans are meant to be a short-term solution to a financial problem. But they come with very high interest rates and fees. In Hawaii, the legal maximum fee for a payday loan is 15% of the amount borrowed. That means if you borrow $100, you’ll pay at least $15 in fees on top of the amount you borrowed.

How Do Payday Loans Work?

When you apply for a payday loan, you’ll be asked to provide proof of income and identification. You’ll also need to write a post-dated check for the amount you’re borrowing plus any fees and interest, or give the lender authorization to withdraw the funds from your bank account on your next payday.

If you’re approved for the loan, the funds will be deposited into your bank account or given to you in cash. You’ll be expected to repay the loan in full by your next payday. If you can’t repay the loan in full, you may be able to roll it over for another fee.

The Pros and Cons of Payday Loans

Payday loans can be a quick and easy solution to a financial emergency, but they come with some serious drawbacks. Here are some of the pros and cons of payday loans:

Pros:

  • Quick and easy approval process
  • No credit check required
  • Can be a way to avoid overdraft fees or other late fees

Cons:

  • High fees and interest rates
  • Can lead to a cycle of debt if not repaid on time
  • May not provide a long-term solution to a financial problem

Interesting Facts and Stats

  • In Hawaii, the legal maximum fee for a payday loan is 15% of the amount borrowed.
  • The average payday loan borrower takes out eight loans per year, with each loan lasting 18 days.
  • According to the Consumer Financial Protection Bureau, over 80% of payday loans are rolled over or followed by another loan within 14 days.

Apply Now

If you’re considering a payday loan in Maunaloa, Hawaii, you can apply now with TheGuaranteedLoans. We’re a connector service, not a direct lender, and we can help you find a lender that meets your needs.

To apply for a payday loan, simply fill out our online application form. We’ll match you with a lender and you can receive a decision within minutes. If you’re approved, the lender will deposit the funds into your bank account within one business day.

Remember, payday loans are meant to be a short-term solution to a financial problem. They come with high fees and interest rates and can lead to a cycle of debt if not repaid on time. Consider all your options before taking out a payday loan and make sure you can repay it in full by your next payday.

F.A.Q.

Is it possible to negotiate a lower interest rate or fee on my payday loan in Maunaloa, Hawaii?

Yes, it is possible to negotiate a lower interest rate or fee on your payday loan in Maunaloa, Hawaii. You should contact the lender and explain your financial situation and ask if they are willing to lower the rate or fees. It is important to remember that lenders are not required to agree to your request, and you should carefully consider the terms of any offer before agreeing to borrow.

Can a lender report my default on a payday loan to the credit bureaus in Maunaloa, Hawaii?

Yes, a lender can report your default on a payday loan to the credit bureaus in Maunaloa, Hawaii. This will likely result in a negative mark on your credit report, which can make it harder for you to obtain credit in the future. If you believe that a lender has reported inaccurate information to the credit bureaus, you can dispute the error and have it corrected.

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