Best Payday Loan Lenders in Hawaii

Back in 1999, the Hawaiian legislature passed The Check Cashing Act excluding payday loans from usury laws, and lenders flocked to the Aloha State. Nowadays, however, payday loans Hawaii offers to its residents are strictly supervised, which makes for an excellent lending scene. That said, not all vendors are made equal, which is why we made sure to cherry-pick only the best ones. Enjoy!

Best Payday Loans Providers in Hawaii

Check into Cash Logo

Check into Cash

Your One Stop Money Shop

A true trailblazer, Check into Cash is among the best payday loans providers out there. The company was established in 1993, and they operate over 800 stores across 20 states. It is a well-established brand with numerous storefronts, which is quite reassuring to many customers. On the downside, they do run credit checks on new customers.

Available in: AL, AK, CA, DE, FL, HI, ID, IN, KS, MS, MO, NV, OK, OR, TN, TX, UT, WA, WI, and WY

Loan amount: $50-$1,000 (some states might have a lower cap)

Loan term: 14-30 days

APR: Depends on the loan term (261-782%)

Min. credit score: 300

Approval time: Almost instant

Funds available in: Same or next business day

Online application: Yes

Speedy Cash Logo

Speedy Cash

Reset. Refocus. Restart.

Speedy Cash (or Rapid Cash in Nevada, Oregon, and Washington) is another reputable payday loans provider. They opened their first store in California back in 1997, and have been expanding ever since. Today, the company operates around 200 stores in 14 states. Speedy Cash is a member of the Online Lenders Alliance, ensuring fair treatment and adherence to a code of conduct.

Available in: AL, AK, CA, HI, LA, NV, ND, OR, TX, WA, WI, WY

Loan amount: $100-$500 (some states might have a lower cap)

Loan term: 14-30 days

APR: Depends on the loan term (214-460%)

Min. credit score: N/A

Approval time: Almost instant

Funds available in: Same or next business day

Online application: Yes

Check City Logo

Check City

Quick Cash Loans at Check City

Over 30 years ago, back in 1986, Check City opened its first store in Virginia. The company was a huge success from the get-go, and they quickly expanded the business. Nowadays, you can find the Check City storefronts in four states or get an online loan.

Loan amount range: $100 to $510

Loan term: up to 32 days

APR: 460% for a two-week loan

Min. credit score: N/A

Finance charge: $17.65 for every $100 borrowed

Approval time: Almost instant

Funds available in: Same or next business day

Number of Hawaii stores: Online only

Online application: Yes

24/7 open: No

CashNetUSA Logo

CashNetUSA

With CashNetUSA, money’s on the way!

If you’re looking for a well-established company with long traditions and excellent reviews, then look no further. CashNetUSA has been in business since 2004, and they’ve partnered with more than four million customers across 18 states. They offer one of the best-rated payday loans in the industry.

Available in: AL, AK, CA, FL, HI, ME, MI, MN, NV, ND, OH, OK, OR, SD, TN, TX, WY

Loan amount: $100-$1,500 for first-time customers (some states have a lower cap)

Loan term: 14-35 days

APR: Depends on the loan term (208-520%)

Min. credit score: N/A

Approval time: Almost instant

Funds available in: Same business day if approved

Online application: Yes

Money Mart Logo

Money Mart

From a little to a lot. We've got you covered.

Money Mart is an international company that does business in the US and Canada. Applying for and obtaining their services is extremely easy since they offer online and in-store loans. If you're in a tough financial situation and need quick access to cash, then come right in.

Loan amount range: $50 to $500

Loan term: 14 to 32 days

APR: 456% for a 14-day loan

Min. credit score: N/A

Finance charge: $17.50 for every $100 borrowed

Approval time: Almost instant

Funds available in: Same or next business day

Number of Hawaii stores: 8

Online application: Yes

24/7 open: No

Laws Regulating Payday Loans in Hawaii

So, are payday loans legal in Hawaii? Yes, This industry is regulated by the Hawaii Department of Commerce and Consumer Affairs, and all residents are eligible to apply for payday loans in the Aloha State. Below, we’ve summarized the essentials governing the vendors that offer short-term cash advances in Hawaii.

State Law

Requirements for the Payday Loans Hawaii Offers

Bad Credit Loans in Hawaii

Payday loans are, in their nature, designed for people who are not able to boast a stellar credit history. A below-average credit score, therefore, won’t be an obstacle in obtaining these services.

Failing to Repay a Payday Loan in Hawaii

Lenders are allowed to charge a one-time NSF fee of up to $20 if the borrower fails to pay off the loan on time. While wage garnishment is also allowed in Hawaii, certain limitations apply. Hawaiians who file for bankruptcy will (most likely) have their debt erased.

Reviews of the Best Payday Loans Hawaii Has to Offer

Check into Cash

If you value professionalism and credibility, then Check into Cash is the perfect place for you. Throughout the decades, this lender has had the time to fine-tune its offer, securing its place among the top lenders in the US. Check into Cash is licensed by the Hawaii Department of Commerce and Consumer Affairs until the end of March 2025.

Pros

Cons

Lending Offer Overview

Check into Cash is one of the first brands in the industry. Since all payday loans Hawaii has to offer are strictly monitored, this lender’s offer is quite similar to the competition. Hawaii residents have up to 32 days to repay their loans. The loan amount is what you might expect — ranging from $100 to $510 for their online cash advances. Clients are offered a competitive APR. That goes from 201% to 460% based on the loan term. If you opt for Check into Cash, keep in mind that they charge a $17.65 fee for every $100 you borrow. The entire amount needs to be repaid once the loan reaches maturity since rollovers are banned. Customers who are unable to pay the whole sum on time will be charged an NSF fee of up to $20.

Other Features

Check into Cash has some of the best online payday loans for Hawaii residents. Securing a loan is super simple. Just fill out an easy and straightforward application form, and you’ll be set. The whole process typically doesn’t take very long, as it can be completed in less than 15 minutes. Customers that enjoy managing their finances on the go are in luck, as Check into Cash offers a convenient smartphone app for that purpose. You’ll be able to keep track of your funds at all times. Their excellent customer support is always at your disposal, so feel free to get in touch.

Speedy Cash

Speedy Cash is a proud member of the Online Lenders Alliance, guaranteeing fair treatment and adherence to the best lending practices. Borrowers in need of same day payday loans in Hawaii are in luck, as this lender approves requests almost instantly. Speedy Cash is licensed by the Hawaii Department of Commerce and Consumer Affairs until Jun 2025.

Pros

Cons

Lending Offer Overview

If you’re searching for online payday loans in Hawaii, then Speedy Cash is a fantastic place to start your journey. They boast a few decades’ worths of experience, so you can rest easy and borrow safely. Their offer follows the industry standards, and this is what Hawaiians can expect — a loan duration of up to 32 days, without any rollovers or extensions. Online loans range from $100 to $500. Speedy Cash’s top internet cash advances come with the usual 460% APR for a two-week loan. There is a $17.65 finance charge per $100 borrowed. The vendor can charge a late fee equal to, but not exceeding, $20.

Other Features

Speedy Cash is widely known for excellent online service, and that is what you should expect from their instant payday loans in Hawaii. Online cash advances are extremely convenient since you can borrow from the comfort of your home. Customers usually need to wait around 24 business hours to receive the funds. However, Speedy Cash offers same-day deposits as well. To qualify for this amazing feature, you need to have the Opt+®Prepaid Debit Card. This vendor has a  useful mobile app (available for both Android and iOS users) that helps borrowers manage their accounts and funds on the move. Their welcoming support agents are at your service, so don’t hesitate to reach out.

Check City

Another excellent lender on our list, Check City, has been doing business in the Aloha State since 2004. Getting payday loans online in Hawaii is a walk in the park, and the funds will be at your disposal before you know it. Check City is licensed by the Hawaii Department of Commerce and Consumer Affairs until September 2021.

Pros

Cons

Lending Offer Overview

Check City is a great place to get an online short-term loan. Their services are among the finest in the industry, and this is what their offer looks like. The loan term for Hawaii online payday loans ranges between seven and 32 days. Renewals and extensions aren’t allowed, meaning that the entire sum must be repaid on the agreed-upon date. If a customer falls behind schedule, they’ll be charged a $20 NSF fee. The loan amount starts at $100 and goes up to $510. Cash advances meanwhile come with a $17.65 fee for every $100 borrowed, whereas the interest rate peaks at 460% for a two-week loan. On the due date, the principal amount (with added fees) will be automatically debited from your bank account.

Other Features

Before actually getting a cash advance, you should complete an online application or request a loan over the phone. It doesn’t take much time, and they’ll promptly notify you of their decision. Check City will fax the contract to customers who apply by phone. Once filled out and signed, the document should be faxed back. Online services are certainly convenient, and the only downside of their payday loans in Hawaii is the waiting period of up to 24 business hours. Repaying the loan is easy since the entire process is automatic, meaning that an electronic withdrawal will be made from your checking account on the due date. If you wish to improve your financial education, then head to Check City’s blog, as it offers excellent advice.

CashNetUSA

CashNetUSA is a state-licensed lender, which ensures a secure and confidential transfer of funds. Their services were first made available in 2004 in Hawaii and had been gaining popularity ever since. This company provides some of the best online payday loans for Hawaii residents and is licensed by the Hawaii Department of Commerce and Consumer Affairs until February 2025.

Pros

Cons

Lending Offer Overview

CashNetUSA is a state-licensed lender that offers payday loans Hawaii consumers can get online. Their customers can borrow anywhere between $100 and $500, which is slightly below the state limit. The advance has to be repaid in 7 to 32 days, and the interest rate is closely connected to the loan’s length. It starts at 201% (for the longest loan) and tops off 805% (for the shortest one). CashNetUSA charges a regular $17.65 fee for each $100 you borrow. Their clients can’t extend the repayment term, as rollovers are banned in the Aloha State. Borrowers are allowed to repay the loan early without incurring any additional fees. On the other hand, if you fail to follow the agreed-upon schedule, then the lender is allowed to charge a late fee upwards of $20.

Other Features

Getting a cash advance has never been easier, as CashNetUSA offers some of the best online payday loans for Hawaii residents. What makes their services stand out is the same-day deposit option. It is available for all the applications approved before 10:30 AM local time. The entire process is fast and straightforward, and most requests are granted instantly. When applying for a loan, you needn’t worry about your FICO® score, as this vendor uses alternative ways of confirming your credit score. Free access to financial education courses and tools is another exceptional feature that makes them one of the best payday lenders in the country.

Money Mart

Money Mart boasts the best accessibility in the Aloha State since they’re the only lender with storefront same-day payday loans in Hawaii. Their in-store services were first made available in 2003 and had been going strong ever since. Money Mart is licensed by the Hawaii Department of Commerce and Consumer Affairs until April 2024.

Pros

Cons

Lending Offer Overview

Money Mart is the only brand that provides in-store Hawaii payday loans and online cash advances, giving them a clear advantage over the competition. They’re always making an effort to set higher standards in their niche. They provide nearly identical terms as other lenders, with one small exception — the fee is slightly lower, standing at $17.50. Both loan options offer the same amount ranging between $50 and $500. The minimum loan duration is 7 days, going up to 32 days at the very most. Since their loans come with marginally lower fees, the APR is also slightly below the state average, standing at 456% for a 14-day loan. Rollovers are forbidden for payday loans in Hawaii. Hence the full amount must be paid off on the due date.

Other Features

Money Mart approves the bulk of payday loan requests quickly, and you’ll have the funds at your disposal within the hour (if you apply in-store). Conversely, online applicants usually have to wait around 24 business hours for their cash. Finally, their user-friendly smartphone app is available on iOS as well as Android.

Common Hawaii Payday Loans Terminology

While discussing payday loans, certain terms, like the APR or NSF fee, seem to repeatedly appear throughout the text. However, have you ever wondered why they’re so prevalent? Let’s take a look!

The Annual Percentage Rate — APR

Arguably the most controversial topic in the industry is the high interest rate the lenders charge. Be that as it may, we need to take into account that the payday loans Hawaii lenders offer to the state’s residents are meant to be short-term. Since the APR is calculated on a yearly basis, it does sound steep. However, the loan isn’t meant to be repaid over such a long period.

Non-Sufficient Funds Fee — NSF

This is another commonly thrown-around term. In short, the lender is allowed to charge upwards of $20 for the inconvenience of having to return a declined check. You should contact the lender if you realize that repaying on the due date isn’t an option and try to negotiate a grace period.

The Bottom Line

Cash advances probably aren’t the first thing you’d associate with the Aloha State. Still, they are quite popular there amid the high cost of living. We made it our goal to sift through all the payday loans Hawaii has to offer and present you with only the best ones. All the lenders on this list are state-licensed, and they offer competitive terms to boot, so you can’t go wrong with any of the options on the list. At the end of the day, the choice is yours.

Remember to always borrow responsibly and never take out more cash than you can reasonably repay.

Your BalancingEverything Team

References:

CheckIntoCash

SpeedyCash

CheckCity

CashNetUSA

MoneyMart

HawaiiLaw