Payday Loans in Wake Island, Hawaii

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

Company nameAddressZip codePhone number
Payday Loans 296 Alamaha St, Kahului, HI 96732 +1 (808) 893 - 2274
American Savings Bank 4548 Kona Rd, Hanapepe, HI 96716 +1 (800) 272 - 2566
Hawaii VA Home Loans 3615 Harding Ave 101, Honolulu, HI 96816 +1 (808) 347 - 1028
Pearl Hawaii Federal Credit Union PHFCU 85-866 Farrington Hwy, Waianae, HI 96792 +1 (808) 737 - 4328
Hawaii Gold Buyer's Exchange 91-902 Fort Weaver Rd 101A, Ewa Beach, HI 96706 +1 (808) 689 - 0099
MoneyGram 1087 Limahana Pl 5A, Lahaina, HI 96761 +1 (808) 573 - 2274
Matanuska Valley Federal Credit Union 94-144 Farrington Hwy 114, Waipahu, HI 96797 +1 (808) 677 - 6206
Waipahu Hawaii Pawn 94-300 Farrington Hwy #14, Waipahu, HI 96797 +1 (808) 671 - 6555
HawaiiUSA Federal Credit Union 94-030 Farrington Hwy 101, Waipahu, HI 96797 +1 (808) 676 - 4300
Tae Ho Kim - CMG FINANCIAL MORTGAGE LOAN OFFICER NMLS 910365 98-211 Pali Momi St, Aiea, HI 96701 +1 (808) 349 - 1620

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wake Island, HI, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Hilo, HI, Guaranteed Loans in Honolulu, HI, No Credit Check Loans in Kahului, HI, 24-Hour Loan in Kaneohe, HI, Guaranteed 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 Wake Island, HI.

Beautiful sights of Wake Island, HI

Are Payday Loans Legal In Wake Island, 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

Wake Island, HI payday loan calculator

The Ins and Outs of Payday Loans in Wake Island, Hawaii

Payday loans are a type of short-term loan that has become increasingly popular in recent years. They provide borrowers with fast access to cash during emergencies or unexpected expenses. A payday loan may be an option for those who need money quickly but do not have access to traditional lending options.

How Do Payday Loans Work in Wake Island, Hawaii?

In the state of Hawaii, payday loans are legal for check cashers only. This means that only companies that are licensed to cash checks are allowed to provide payday loans. The maximum amount that an individual can borrow is $600, and the loan term cannot be longer than 32 days.

To obtain a payday loan in Wake Island, Hawaii, an individual must provide proof of income and a valid government-issued ID. The lender will then provide the borrower with the loan amount in cash, and the borrower will be required to sign a contract that outlines the terms of the loan.

When the loan term is up, the borrower must either pay the loan in full or renew it. If they choose to renew it, they will be required to pay additional fees and interest on top of the amount that they have already borrowed.

The Pros and Cons of Payday Loans

Like any financial product, payday loans have both advantages and disadvantages. Here are a few of the pros and cons:

Pros:

  • Fast access to cash during emergencies
  • Relatively easy to qualify for
  • No credit check required

Cons:

  • High interest rates and fees
  • Short repayment terms
  • Potentially harmful to credit scores

It’s important to carefully consider the pros and cons before deciding to take out a payday loan. While they can provide you with quick access to cash, they may also come with high costs.

Interesting Facts about Payday Loans in Wake Island, Hawaii

  • The average payday loan in Hawaii is $480
  • Over 70% of payday loan borrowers in Hawaii renew their loans
  • In 2019, the average interest rate for a payday loan in Hawaii was 459%

These statistics show that payday loans in Wake Island, Hawaii can be expensive and may lead to a cycle of debt. It’s important to only take out a payday loan if it is absolutely necessary and to pay it back as soon as possible.

Apply Now for a Payday Loan

If you are considering taking out a payday loan in Wake Island, Hawaii, consider using TheGuaranteedLoans. Our website connects borrowers with potential lenders, making it easier to find a loan that meets your needs. To get started, simply fill out our online application and we will do our best to match you with a lender that can provide you with the cash you need.

Remember, TheGuaranteedLoans is a connector service, not a direct lender. Our goal is to help you find a lender that meets your needs, and we do not make lending decisions or provide loans directly.

In Conclusion

If you are considering a payday loan in Wake Island, Hawaii, it’s important to carefully consider the pros and cons before making a decision. While they can be a helpful financial tool during emergencies, they can also be expensive and lead to a cycle of debt. If you do decide to take out a payday loan, be sure to pay it back as soon as possible to minimize the costs.

F.A.Q.

Can I renew or extend my payday loan in Wake Island, Hawaii?

Yes, borrowers in Wake Island, Hawaii can renew or extend their payday loan if they are unable to make the full repayment on the due date. However, the lender may charge additional fees for the renewal or extension, and the borrower must wait at least seven days before taking out a new payday loan.

Is it possible to have multiple payday loans in Wake Island, Hawaii at the same time?

No, it is not possible to have multiple payday loans in Wake Island, Hawaii at the same time. Borrowers are only allowed to have one outstanding payday loan at a time, and must wait at least seven days before taking out a new loan.

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