Personal loans in Hawaii
Consumer lending in Hawaii is regulated by the Hawaii Department of Commerce and Consumer Affairs, Division of Financial Institutions. Below are the sourced rules that affect what a lender can charge you, followed by the cities we cover.
Lending rules in Hawaii
| Payday lending | Permitted and regulated — maximum loan amount: Prohibited.Source: National Conference of State Legislatures · as of 2023 |
|---|---|
| Small-loan / installment licensing | Consumer lenders must obtain a state license (Yes). Statutory basis: Haw. Rev. Stat. §§ 412:9-100 et seq., §§412:-306 et seq. Licensing administered through NMLS: No.Source: Conference of State Bank Supervisors · as of 2026 |
| Interest rate cap (usury limit) | Usury limit: 10% for agreements not finalized in writing (HRS § 478-2); 12% for written contracts (HRS § 478-4). Finance rates and fees for licensed lenders: For precomputed loans 48 months or less: 14% per year for the first 18 months 10.5% for the following 12 months 7% for the following 12 months 4% for the remaining 6 months For precomputed loans over 48 months: 24% per year For simple interest loans: 24% per year. CSBS 50-state survey of consumer finance laws; state-verified usury catalog.Source: Conference of State Bank Supervisors · as of 2026 |
| Consumer lending regulator | Consumer lenders in Hawaii are licensed and supervised by the Hawaii Department of Commerce and Consumer Affairs, Division of Financial Institutions.Source: Conference of State Bank Supervisors · as of 2026 |
| Debt collection rules | Third-party debt collectors must comply with the federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.; state consumer-protection and debt-collection enforcement is handled by the Hawaii Department of the Attorney General. The FDCPA expressly authorizes state attorneys general to enforce it (15 U.S.C. § 1692l). Some states also require collection agencies to be licensed.Source: Hawaii Department of the Attorney General · as of 2026 |
| Military lending protections | The federal Military Lending Act (MLA) caps the Military Annual Percentage Rate (MAPR) at 36% for consumer credit extended to active-duty service members, their spouses and certain dependents, and bars mandatory arbitration and prepayment penalties on covered loans. Federal protection that applies nationwide, including in this state.Source: Consumer Financial Protection Bureau · as of 2024 |
| Complaint / licensing lookup | Check whether a lender holds a state license through NMLS Consumer Access (nmlsconsumeraccess.org) or the Hawaii Department of Commerce and Consumer Affairs, Division of Financial Institutions; consumers can file complaints with the Hawaii Department of Commerce and Consumer Affairs, Division of Financial Institutions or the CFPB at consumerfinance.gov/complaint.Source: Nationwide Multistate Licensing System (NMLS) Consumer Access · as of 2026 |
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Cities in Hawaii
HonoluluKailuaEast HonoluluHiloPearl CityWaipahuKaneoheEwa GentryMililani TownKahuluiKapoleiKiheiMililani MaukaMakakiloSchofield BarracksWahiawaOcean PointeWailukuHalawaEwa BeachRoyal KuniaWaianaeWaimaluLahainaMailiNanakuliHawaiian Paradise ParkKapaaWaihee-WaiehuWaipioWaimeaHickam HousingMakahaAieaHaiku-PauwelaAhuimanuLihueMakawaoWaikoloa VillageKulaWaikelePukalaniKahaluu-KeauhouNapili-HonokowaiEwa VillagesWailua HomesteadsWaileaLaieWest Loch EstateIroquois PointWaipio AcresWaimanaloKahaluuHeeiaKalaheoHaleiwaHanamauluPupukeaWaimanalo BeachHawaiian BeachesPuhiCaptain CookWaikapuAinaloaWhitmore VillageHauulaHawaiian Ocean ViewEast KapoleiMountain ViewHelemanoKilaueaKaunakakaiWaialuaKurtistownHawaiian AcresLanai CityKekahaKalaeloaAnaholaOrchidlands EstatesLawaiHolualoaKeokeaWailuaHonaunau-NapoopooHanapepePaiaKahukuWheeler AFBKoloaEleelePahalaKealakekuaMaunawiliKapaauKualapuuPrincevilleHonokaaMokuleiaFern AcresKo OlinaKalokoLeilani EstatesPepeekeoNanawale EstatesKaumakaniOmaoPahoaRoyal Hawaiian EstatesHawiKaaawaKeaauKaanapaliMahinahinaDiscovery HarbourLaupahoehoeHaliimailePunaluuVolcano Golf CourseWainakuPoipu
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