Payday Loans in Kaumakani, Hawaii

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

Company nameAddressZip codePhone number
Cash Hawaii 96 N Market St, Wailuku, HI 96793 +1 (808) 242 - 5555
Hawaii First Federal Credit Union 67-1187 Hawaii Belt Rd, Waimea, HI 96743 +1 (808) 885 - 7349
PayDayHawaii 275 W Kaahumanu Ave, Kahului, HI 96732 +1 (808) 873 - 0609
Finance Factors Ltd 605 Laukapu St, Hilo, HI 96720 +1 (808) 935 - 6811
Diamond Head Funding Inc 118 Kupuohi St, Lahaina, HI 96761 +1 (808) 667 - 6805
First Hawaiian Bank ATM Minit Stop Lower Main 745 E Lower Main St, Wailuku, HI 96793 +1 (888) 844 - 4444
Bank of Hawaii 5-4280 Kuhio Hwy, Princeville, HI 96722 +1 (808) 826 - 6551
Easy Money EMG 2000 S Beretania St, Honolulu, HI 96826 +1 (808) 955 - 1202
Hilo Loan Shop 64 Mamo St, Hilo, HI 96720 +1 (808) 934 - 0844
NAPA Auto Parts - Pacific Service & Development Corp 980 Kipuni Way, Kapaa, HI 96746 +1 (808) 823 - 6211

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Kaumakani, HI, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Hilo, HI, Bad Credit Loans in Honolulu, HI, Payday Loans in Kahului, HI, Payday Loans 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 Kaumakani, HI.

Beautiful sights of Kaumakani, HI

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

96747

Are Payday Loans Legal In Kaumakani, 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

Kaumakani, HI payday loan calculator

Payday Loans in Kaumakani, Hawaii

Payday loans are a type of short-term loan that can be a financial lifeline for those in need. In Hawaii, check cashers are permitted to offer payday loans, meaning that residents of Kaumakani can access the service. With that said, getting a payday loan is not always the best option, and it’s important to fully understand the process before making a decision.

The Basics of Payday Loans

Payday loans are typically small-dollar loans that are due on your next payday. These loans are often marketed to individuals who have bad credit or who otherwise cannot access traditional forms of credit. Unlike other traditional loans, which can have a repayment period measured in months or years, payday loans are due within a few weeks or on your next payday.

One of the biggest advantages of payday loans is that they often have very few requirements for approval. The main requirements are that you have a job and a checking account. For many people, this means that they can get the money they need quickly and without the hassle of a traditional loan application process.

The Pros and Cons of Payday Loans

While payday loans can be a good option in certain situations, they also have their drawbacks. One of the biggest drawbacks is the high interest rates associated with payday loans. These rates can be as high as 400% or more, which means that if you borrow $500, you could end up paying back $2,000 or more over the course of a year.

Another disadvantage of payday loans is that they can be difficult to repay. If you are unable to repay your loan on time, the lender may charge additional fees and interest, which can make it even harder to get out of debt. It’s also worth noting that if you are unable to repay your loan, your credit score could be negatively affected, which could make it harder to borrow in the future.

On the other side, payday loans also have some advantages. For example:

  • They’re fast and easy to obtain
  • You don’t need good credit to qualify
  • You can use the money for any purpose
  • The maximum loan amount is $600

Facts About Payday Loans in Kaumakani, Hawaii

Here are some interesting facts and figures about payday loans in Kaumakani and Hawaii as a whole:

  • Hawaii law requires payday loan companies to be licensed and regulated by the state.
  • In Hawaii, payday loans are limited to $600 or 30% of your gross monthly income.
  • The maximum interest rate that lenders can charge is 15% of the loan amount.
  • The average APR (annual percentage rate) for a payday loan in Hawaii is 459%.
  • In 2019, there were a total of 406,000 payday loans made in Hawaii, totaling $177 million in loan volume.

It’s also worth noting that while payday loans are legal in Hawaii, the state has created a Payday Loan Task Force to help identify and address any predatory practices by lenders. If you have any concerns or complaints about a payday lender in Kaumakani or elsewhere in Hawaii, you can contact the Department of Commerce and Consumer Affairs Office of Consumer Protection.

How to Apply for a Payday Loan through TheGuaranteedLoans

If you decide to apply for a payday loan, TheGuaranteedLoans can help you connect with potential lenders. We are a connector service, not a direct lender, which means that we work with a network of trusted lending partners who may be able to offer you a loan that meets your needs.

The application process is easy. Simply visit our website and fill out our online application form. We’ll ask for basic information about yourself and your financial situation, and we’ll then try to match you with a lender who can offer you a loan. If we’re successful in finding a match, you’ll be redirected to the lender’s website to complete the necessary paperwork and receive the money you need.

It’s important to note that approval for a loan is not guaranteed. Each lender has its own underwriting criteria, and there’s no way to know for sure whether you’ll be approved until you apply. With that said, we’re committed to helping our customers get the money they need, and we’ll do our best to match you with a lender who can help.

Apply Now!

If you need cash quickly, a payday loan may be the right option for you. To apply for a payday loan through TheGuaranteedLoans, simply visit our website and fill out our online application form. Remember, we’re a connector service, not a direct lender, which means that we’ll work hard to help you find the right loan for your needs.

F.A.Q.

How much does a payday loan in Kaumakani, Hawaii cost?

The cost of a payday loan in Kaumakani, Hawaii will vary depending on the lender and the loan amount. However, the maximum finance charge that a lender can charge is 15% of the loan amount. For example, a $100 payday loan can cost up to $15 in finance charges.

Can I get a payday loan in Kaumakani, Hawaii if I am on a fixed income or receive government benefits?

Yes, you can still get a payday loan in Kaumakani, Hawaii if you are on a fixed income or receive government benefits. However, the lender will need to verify your income and may require you to provide additional documentation, such as proof of income or bank statements.

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