Payday Loans in Waikoloa, Hawaii

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

Company nameAddressZip codePhone number
Money Mart 200 Kanoelehua Ave, Hilo, HI 96720 +1 (808) 933 - 4700
Bank of Hawaii 55 Pukalani St Ste. 1, Makawao, HI 96768 +1 (808) 572 - 7242
Kauai Government Employees Federal Credit Union 2976 Ewalu St, Lihue, HI 96766 +1 (808) 245 - 2463
Everett Arakawa - Smart Money, Inc. 1600 Kapiolani Blvd 633, Honolulu, HI 96814 +1 (808) 256 - 3000
Kamaaina Loan & Cash For Gold Retail Store 98 N Market St Suite A, Wailuku, HI 96793 +1 (808) 242 - 6905
A Happy Pawn 628 N King St, Honolulu, HI 96817 +1 (808) 383 - 5253
Bela Enterprise 945 Kamehameha Hwy # 10, Pearl City, HI 96782 +1 (808) 456 - 6686
HFS Federal Credit Union - Kona Coast 74-5588 Palani Rd 5, Kailua-Kona, HI 96740 +1 (808) 930 - 1400
Easy Cash Solutions 74-5586 Palani Rd #27, Kailua-Kona, HI 96740 +1 (808) 327 - 3113
Money Mart 98-199 Kamehameha Hwy #6, Aiea, HI 96701 +1 (808) 488 - 2274

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Waikoloa, 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, Payday Loans in Kaneohe, HI, Bad Credit 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 Waikoloa, HI.

Beautiful sights of Waikoloa, HI

Are Payday Loans Legal In Waikoloa, 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

Waikoloa, HI payday loan calculator

Payday Loans in Waikoloa, Hawaii: Everything You Need to Know

If you’re facing a financial emergency, payday loans can be a lifesaver. Payday loans are short-term loans designed to be repaid by your next payday. These loans can be a great source of cash for those who need money quickly. While payday loans can be beneficial, they can also be risky if you don’t know how to use them properly.

How Do Payday Loans Work?

Payday loans work differently from traditional loans. Unlike traditional loans, payday loans have a shorter repayment period and are typically offered in smaller amounts. The loan repayment is usually due on your next payday or within two to four weeks.

To apply for a payday loan, you’ll need to provide the lender with some basic information, such as your name, address, and employment details. You’ll also need to provide proof of income, such as a pay stub or bank statement. Once you’ve applied for a payday loan, you’ll find out if you’ve been approved almost instantly. If you’re approved, the lender will typically deposit the loan amount into your bank account within 24 hours.

What Are the Requirements for Payday Loans in Waikoloa, Hawaii?

Payday lenders in Waikoloa, Hawaii are required to follow certain regulations. To be eligible for a payday loan in Hawaii, you must be at least 18 years old and have a valid government-issued ID. You must also provide proof of income, such as a pay stub or bank statement, to show that you can repay the loan. Additionally, you must have an active checking account.

What Are the Interest Rates for Payday Loans in Waikoloa, Hawaii?

The interest rates for payday loans in Waikoloa, Hawaii are capped at 15% of the loan amount for each loan. Therefore, if you borrow $100, you will be charged $15 in interest. For loans over $600, the interest rate is capped at 10% of the loan amount plus a $5 fee. Keep in mind that these are the maximum interest rates allowed by law, and some lenders may charge lower rates.

What Are the Risks of Payday Loans?

While payday loans can be a helpful solution for those facing financial emergencies, they can also be risky. The risk lies in the high interest rates and short repayment period. If you’re unable to repay the loan by the due date, you could face additional fees and interest charges. This can lead to a cycle of debt that can be difficult to escape.

How Can You Avoid Payday Loan Scams?

Unfortunately, there are fraudulent payday lenders out there that prey on vulnerable consumers. To avoid payday loan scams, make sure to do your research and choose a reputable lender. Check with the Hawaii Department of Commerce and Consumer Affairs to ensure that the lender is licensed to operate in the state. Additionally, make sure to read the loan agreement carefully and ask any questions you may have before signing.

Interesting Facts and Statistics About Payday Loans in Waikoloa, Hawaii

  • The average payday loan amount in Hawaii is $371.
  • There are currently more than 70 licensed payday lenders in Hawaii.
  • The average interest rate for a payday loan in Hawaii is 459%.
  • About 12% of Hawaii residents have taken out a payday loan in the last year.

Apply Now

At TheGuaranteedLoans, we’re committed to providing you with the best payday loan options available. We’re a connector service, which means we’ll connect you with potential lenders who can offer you the funds you need. Our online application process is fast and easy, and you could get connected with a lender in just a few minutes. Apply now to get started!

F.A.Q.

Can payday lenders garnish wages in Waikoloa, Hawaii?

in Waikoloa, Hawaii, payday lenders are not allowed to garnish wages to collect unpaid loan amounts. However, they may pursue other legal remedies to recover the funds.

What are the rights of payday loan borrowers in Waikoloa, Hawaii?

Payday loan borrowers in Waikoloa, Hawaii have the right to receive clear and concise information about the terms and conditions of their loan, as well as the rights and obligations of both the borrower and the lender. They also have the right to receive timely and accurate loan disclosures, and the right to dispute any errors or discrepancies in their loan documents.

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