CashAdvance.io

Hawaii lender directory

Title Loans in Hawaii: Rates Capped at 36%. Here Are the Legal Options

We list no title loan stores in Hawaii, and Hawaii law caps what lenders can charge. Below is what the law says, and the licensed ways to borrow in Hawaii that we track.

What Hawaii law says

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

A loan to someone in Hawaii has to stay within this limit unless the lender is licensed or otherwise authorized by Hawaii law to charge more. We list no title loan stores in Hawaii; the licensed options we track are below.

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 title loan in Hawaii

Some lenders based in other states or online still advertise title 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.

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 · Interest rate cap 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.