Hawaii (HI) lender directory

Installment Loans in Hawaii

Looking for an installment loan near you in Hawaii? Pick your city below. We list 7 stores in 6 Hawaii cities, built from state license records and lenders' own store pages. Data last checked October 9, 2026.

Read our guide: Installment Loans vs. Payday Loans: Costs, Terms and Which Is Safer

Payday loans in Hawaii: banned →

Title loans in Hawaii: rates capped at 36% →

Installment loans by city

Installment loans in Hawaii: the rules

Rules marked "medium confidence" were checked against a published copy of the statute because the official site was unavailable to us. Confirm them with the official text before relying on them.

The most a borrower can get from an installment lender under the Small Dollar Loans law is $1,500. Source: HRS ch. 480J (Act 56, 2021), per DFI consumer FAQ · verified Oct 9, 2026 · medium confidence
The maximum interest rate on an installment loan is 36 percent a year on the unpaid principal balance. Source: HRS ch. 480J (Act 56, 2021), per DFI consumer FAQ · verified Oct 9, 2026 · medium confidence
Installment loan terms run from two to twelve months depending on the loan amount. Source: HRS ch. 480J (Act 56, 2021), per DFI consumer FAQ · verified Oct 9, 2026 · medium confidence
An installment loan may be renewed only once. Source: HRS ch. 480J (Act 56, 2021), per DFI consumer FAQ · verified Oct 9, 2026 · medium confidence
A borrower may rescind an installment loan until 5:00 p.m. Hawaii Standard Time on the third business day after it was made, at no charge. Source: HRS ch. 480J (Act 56, 2021), per DFI consumer FAQ · verified Oct 9, 2026 · medium confidence

Lenders in Hawaii are licensed by the Hawaii Division of Financial Institutions (DFI), Department of Commerce and Consumer Affairs. See also online lenders and apps in Hawaii.

Questions people ask

Are payday loans legal in Hawaii?

No. The Division of Financial Institutions says Act 56 (2021) replaced the deferred deposit (payday) law with the Small Dollar Loans law and that the new law prohibits payday loans (HRS ch. 480J (Act 56, 2021), per DFI consumer FAQ).

How many installment lenders are in Hawaii?

We list 7 installment lenders in Hawaii, in 6 cities.

Which Hawaii cities have the most installment lenders?

Lihue (2), Hilo (1), Honolulu (1), Kahului (1) and Kaneohe (1).

How much can lenders charge in Hawaii?

The maximum interest rate on an installment loan is 36 percent a year on the unpaid principal balance (HRS ch. 480J (Act 56, 2021), per DFI consumer FAQ). More limits are listed under the state rules on this page.

How do I check a lender's license in Hawaii?

Lenders in Hawaii are licensed by the Hawaii Division of Financial Institutions (DFI), Department of Commerce and Consumer Affairs. Contact the regulator, or use NMLS Consumer Access for lenders licensed through NMLS.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.

OneMain Financial branches (HI) · 6 locations Last verified Oct 15, 2026
Hawaii DFI list of small dollar installment lenders · 1 location Last verified Oct 15, 2026
HRS ch. 480J (Act 56, 2021), per DFI consumer FAQ · Payday loans (deferred presentment), Installment and consumer finance loans Last verified Oct 9, 2026 · medium confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.