Payday Loans in Honaunau, Hawaii

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

Company nameAddressZip codePhone number
Finance Factors 4393 Kukui Grove St 101, Lihue, HI 96766 +1 (808) 245 - 3305
Central Pacific Home Loans Inc 33 Lono Ave 400, Kahului, HI 96732 +1 (808) 871 - 0525
First Hawaiian Bank Kamuela Branch 67-1189 Hawaii Belt Rd, Waimea, HI 96743 +1 (808) 885 - 7991
Home Street Bank Home Loan Center 98-1258 Kaahumanu St, Pearl City, HI 96782 +1 (808) 675 - 2000
ColorTyme Rent-To-Own of Wahiawa, HI 45 N Kamehameha Hwy, Wahiawa, HI 96786 +1 (808) 622 - 5151
Payday Loan Store Inc 4-361 Kuhio Hwy, Kapaa, HI 96746 +1 (808) 822 - 2274
Hawaii State Federal Credit Union 6700 Kalanianaole Hwy 110, Honolulu, HI 96825 +1 (808) 426 - 7300
First Hawaiian Bank Wahiawa Branch 730 California Ave, Wahiawa, HI 96786 +1 (808) 625 - 1182
Maui Gold Buyers 98 N Market St, Wailuku, HI 96793 +1 (808) 244 - 8888
Family Pawn Shop 941 Kamehameha Hwy 201, Pearl City, HI 96782 +1 (808) 676 - 8800

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Honaunau, HI, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Hilo, HI, Payday Loan Without a Credit Check in Honolulu, HI, Payday Loans in Kahului, HI, Payday Loans in Kaneohe, HI, Online Loans in Pearl City, HI and Guaranteed 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 Honaunau, HI.

Are Payday Loans Legal In Honaunau, 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

Honaunau, HI payday loan calculator

Payday Loans in Honaunau, Hawaii: Understanding the Basics

Payday loans are a type of short-term loan that is typically repaid on the borrower’s next payday. In Honaunau, Hawaii, payday loans are legal for check cashers to offer. While these loans can be a helpful solution in times of emergency, it’s important to understand the terms and implications of payday loans before taking one out. In this article, we’ll explore everything you need to know about payday loans in Honaunau, Hawaii.

How do Payday Loans Work in Honaunau, Hawaii?

  • Payday loans are short-term loans that must be repaid within a few weeks.
  • When a borrower takes out a payday loan, they agree to repay the loan amount plus interest and fees on their next payday.
  • In Honaunau, Hawaii, check cashers are the only lenders who can legally offer payday loans.
  • Borrowers typically provide a post-dated check or give the lender access to their checking account to ensure repayment of the loan.
  • The maximum amount of payday loan allowed in Hawaii is $600 or 32% of the gross monthly income of the borrower, whichever is less.
  • Lenders in Honaunau, Hawaii can charge interest and fees of 15% of the loan amount, which translates to $17.65 for a two-week loan of $100.

Pros and Cons of Payday Loans in Honaunau, Hawaii

Pros:

  • Payday loans are easy to access and require minimal paperwork.
  • Borrowers with bad credit can still qualify for payday loans in Honaunau, Hawaii.
  • Payday loans can provide fast access to cash in times of emergency.

Cons:

  • Payday loans in Honaunau, Hawaii have high interest rates and fees, making them an expensive option for borrowing money.
  • Failure to repay a payday loan can result in additional fees and damage to the borrower’s credit score.
  • Payday loans can quickly become a cycle of debt as borrowers may be forced to take out new loans to repay existing ones.

Applying for a Payday Loan in Honaunau, Hawaii

At TheGuaranteedLoans, we connect borrowers with lenders who can offer payday loans in Honaunau, Hawaii. Our online application process is quick and easy, and borrowers can be connected with lenders within minutes. It’s important to note that we are not a direct lender, but rather a connector service between borrowers and lenders. If you are approved for a loan, the lender will provide you with the terms of the loan, including interest rates and fees.

Apply Now for a Payday Loan in Honaunau, Hawaii

At TheGuaranteedLoans, we pride ourselves on providing a safe, easy, and transparent online platform for borrowers to access payday loans in Honaunau, Hawaii. Our service is free, and our goal is to help you find a lender that meets your needs. Whether you need cash to cover an unexpected expense or tide you over until your next payday, we’re here to help. Apply now and see how easy it is to get the cash you need.

Interesting Facts and Statistics about Payday Loans in Honaunau, Hawaii

  • In Hawaii, payday loans are only legal for check cashers to offer, making them a less prevalent option than in other states where payday loans can be offered by a wider range of lenders.
  • Hawaii has a cap of 15% on interest and fees that lenders can charge for payday loans, which is lower than the average rate in many other states.
  • The average payday loan amount in Hawaii is $371, which is below the national average of $375.

Conclusion

While payday loans are a legal option in Honaunau, Hawaii, it’s important to approach them with caution and a full understanding of the terms and fees. At TheGuaranteedLoans, we are committed to providing our customers with transparent and safe borrowing options and connecting you with lenders that meet your needs. If you’re considering a payday loan, be sure to weigh the pros and cons carefully, and only borrow what you can afford to repay.

F.A.Q.

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

Yes, it is possible to negotiate a lower interest rate or fee on your payday loan in Honaunau, 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 Honaunau, Hawaii?

Yes, a lender can report your default on a payday loan to the credit bureaus in Honaunau, 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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