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Payday Loans in Hawaii: Banned. Here Are the Legal Options

Payday loans are not legal in Hawaii. Below is what the law says, and the licensed ways to borrow in Hawaii that we track.

What Hawaii law says

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.

Source: HRS ch. 480J (Act 56, 2021), per DFI consumer FAQ · verified Oct 9, 2026

This means payday loans offered to someone in Hawaii, whether in a store or online, are not legal under Hawaii law.

Licensed lenders in Hawaii

These types of lenders operate legally in Hawaii, each under its own rules and costs. Compare the total cost before you borrow.

If someone offers you a payday loan in Hawaii

Some lenders based in other states or online still advertise payday loans to Hawaii residents. A loan from a lender that is not licensed in Hawaii may not come with the protections that licensed lenders must give, such as cost limits and complaint rights. Before you borrow, check that the lender is licensed in Hawaii.

To report a lender or ask a question, contact the Hawaii Division of Financial Institutions (DFI), Department of Commerce and Consumer Affairs.

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).

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

Sources

Where the facts on this page come from, and when we last checked them.

  1. HRS ch. 480J (Act 56, 2021), per DFI consumer FAQ · Payday loan ban Last verified Oct 9, 2026 · medium confidence
  2. Hawaii Division of Financial Institutions (DFI), Department of Commerce and Consumer Affairs · Licensing and complaints Date not recorded

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.