Payday Loans in Honomu, Hawaii

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

Company nameAddressZip codePhone number
HawaiiUSA Federal Credit Union 91-1401 Fort Weaver Rd C101, Ewa Beach, HI 96706 +1 (808) 683 - 0830
HawaiiUSA Federal Credit Union 285 W Kaahumanu Ave 101A, Kahului, HI 96732 +1 (808) 872 - 1200
Easy Cash Solutions 74-5586 Palani Rd #27, Kailua-Kona, HI 96740 +1 (808) 327 - 3113
Money Mart 74-5565 Luhia St., Suite C1B, Kailua-Kona, HI 96740 +1 (808) 329 - 9911
Hamakua Coast Community Cu 28-490 Kaakepa St, Pepeekeo, HI 96783 +1 (808) 964 - 5566
Easy Cash Solutions 1505 Dillingham Blvd #108, Honolulu, HI 96817 +1 (808) 845 - 2121
Hawaii National Bank - Kahului Branch 50 S Puunene Ave, Kahului, HI 96732 +1 (808) 877 - 7575
Finance Integrity LLC 17 Furneaux Ln 201, Hilo, HI 96720 +1 (808) 961 - 6099
First Money Center 3-3122 Kuhio Hwy, Lihue, HI 96766 +1 (808) 245 - 2290
Gather Federal Credit Union 985 Kipuni Way, Kapaa, HI 96746 +1 (808) 245 - 6791

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Honomu, HI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Hilo, HI, Bad Credit Loans in Honolulu, HI, Online Loans in Kahului, HI, No Credit Check Loans in Kaneohe, HI, Payday Loan for 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 Honomu, HI.

Beautiful sights of Honomu, HI

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

96728

Are Payday Loans Legal In Honomu, 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

Honomu, HI payday loan calculator

Payday Loans in Honomu, Hawaii: An Overview

Payday loans are a type of short-term loan that can help individuals who need quick access to cash. Often, these loans are used to cover unexpected expenses, such as medical bills or car repairs. While payday loans can be helpful in some situations, they can also be quite costly. It’s important for individuals to understand the pros and cons of payday loans before deciding to take one out.

How do Payday Loans Work?

Payday loans are typically small loans, ranging from $100 to $1,500. The loan is repaid when the borrower receives their next paycheck. In order to qualify for a payday loan, the borrower must have a regular source of income and a checking account. The lender will typically require proof of income, such as a pay stub, and will also require access to the borrower’s bank account to deposit the loan funds and withdraw payment on the due date.

The terms of payday loans vary, but they typically have a high interest rate and short repayment period. In Hawaii, payday loans can have an interest rate of up to 16% per $100 borrowed, and the borrower has up to 32 days to repay the loan.

Are Payday Loans Legal in Honomu, Hawaii?

Payday loans are legal in Hawaii, but only check cashers are allowed to offer them. In addition, the Hawaii Department of Commerce and Consumer Affairs regulates payday lenders to ensure they comply with state law.

Pros and Cons of Payday Loans

There are some benefits and drawbacks to taking out a payday loan. On the positive side, payday loans can provide quick access to cash when it’s needed most. Unlike traditional loans, payday loans don’t require good credit or collateral, which can make them more accessible for individuals who have poor credit scores or limited assets.

On the negative side, payday loans can be very expensive. Because they have a short repayment period and high interest rates, borrowers can end up paying a lot more than they borrowed. In addition, if the borrower can’t repay the loan on time, they may be subject to additional fees and penalties.

Interesting Facts and Statistics

  • In 2018, the average payday loan in Hawaii was $370.
  • According to the Hawaii State Department of Financial Institutions, there were 101 payday loan locations in the state in 2019.
  • Hawaii has the second-highest per capita payday loan usage in the United States, after South Dakota.

Apply Now

If you’re considering a payday loan, TheGuaranteedLoans can help connect you with potential lenders. Keep in mind that we are not a direct lender, but rather a connector service that works with a network of lenders. To apply for a payday loan, simply fill out an online application on our website. Our process is fast, easy, and secure.

Remember, payday loans can be expensive and should only be used as a last resort. It’s important to carefully review the terms of the loan, including the interest rate and repayment period, before agreeing to borrow money.

At TheGuaranteedLoans, we are committed to providing our customers with the information and resources they need to make informed financial decisions. If you have any questions about payday loans or our services, don’t hesitate to contact us.

F.A.Q.

Are payday loans legal in Honomu, Hawaii?

Yes, payday loans are legal in Honomu, Hawaii. However, they are subject to specific regulations set by the state's Department of Commerce and Consumer Affairs.

What are the maximum interest rates and fees allowed for payday loans in Honomu, Hawaii?

in Honomu, Hawaii, the maximum interest rate for payday loans is 15% per month or $17.65 per $100 borrowed. The maximum fees that can be charged for a payday loan are $15 for loans up to $100, $10 for loans between $101 and $200, and $5 for loans over $200.

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