Hawaii Payday Loan Laws and Regulations

- Loan ceiling: $600
- Fees and finance rates: 15% of check (max)
- Loan term: Less than or equal to 32 days
- APR per $100 for 14 days: 459%.
- Finance charge per $100 for 14 days $17.65
- Collection fee: $20 NSF

Only one loan amount can be taken at a time by residents of Hawaii. No rollovers are allowed, and borrowers cannot consider refinancing or consolidation as an option.

Hawaii Consumer Protection

The Hawaii Department of Commerce and Consumer Affairs monitors all laws pertaining to payday loans. Contact can be made via telephone or website:

King Kalakaua Building
335 Merchant Street
Honolulu, HI 96813
Phone: (808) 587-3222
Fax: (808) 586-2640
Website: www.hawaii.gov/dcca
Email: ocp@dcca.hawaii.gov

Interesting Facts About Hawaii
  1. Hawaii is actually only one of a number of islands in Polynesia, which became part of the U.S. in 1959. Not only is it the southernmost state and the only tropical state, but the only state that was previously ruled by a monarchy.
  2. Comprising of a hundred islands the Hawaii Island chain has eight main islands, including Maui and Hawai’i. The name Hawaii means The Big Island with an area of 4,026 sq. mi. Although the island of Hawaii itself is actually the 8th smallest island, it is also the 13th most densely populated of the 50 U.S. states.
  3. The Hawaiian chain is continually changing due to a hotspot of tectonic plate activity located in the southern half of the Big Island’s coast. This creates new volcanoes, the newest of which is a deep submarine volcano called Lo’ihi Seamount. Formed some 400,000 years ago it will not emerge above sea level for another 10,000 – 100,000 years.
  4. The last volcanic eruption on Hawaii is recorded as in the late 18th century. It is this volcanic activity coupled with erosion that contributes to the impressive geological features so many tourists delight in. Paired with unique flora and fauna the islands are in the early stages of creation and under constant research from botanists, volcanologists and geologists.
  5. There are several protected areas in Hawaii under the National Park Service including two parks. One is Haleakala National Park on Maui and the other is Hawaii Volcanoes National Park on the island of Hawaii.
  6. There are also three historical parks; one is the Pu’uhonua o Honaunau National Historical Park, which is an ancient place of refuge. Another is the site of Hansen’s disease colony, Moloka’I in the Kalaupapa National Historical Park. And the Kaloko-Honokohau National Historical Park is situated on Hawaii in Kailua-Kona. The memorial USS Arizona at Pearl Harbor is sited on O’ahu.
  7. Hawaii has become a popular destination for tourists who enjoy its beaches, warm tropical climate and beautiful scenery. There are numerous white sand beaches on each of the islands, but 12 major beaches are listed for tourism. The climate is typical of the tropics but due to constant trade winds the temperatures and humidity are less extreme. The capital is Honolulu on the island of O’ahu.
  8. The native Polynesian culture has been influenced by North America and Asian visitors, and it currently supports over a million permanent residents. Because many of the islands are unpopulated, the average population density is only 188.6 persons per square mile.
  9. There are two official languages in the Hawaiian island chain, English and Hawaiian Creole English, often referred to as Pidgin.
  10. Due to the popularity of and immigration to the islands, there are many minority languages including Tagalog, Llokano, Japanese, Spanish, Portuguese, French and German. These immigrants have influenced the cuisine of Hawaii into a fusion of American, Japanese, Filipino, Chinese, Polynesian, Korean and Portuguese foods. Some are even served on one plate, which features rice, a version of macaroni salad with either a fried egg, hamburger patty and gravy of Loco Moco, a tonkatsu (Japanese style) or a lu’au traditional favorite, kalua, which is beef and pig or curry.
  11. Tourism plays a major part in the economy of Hawaii. Figures show that in 2003 there were over 6.4 million visitors spending in excess of $10 billion. One of the main reasons is the mild year-round weather enjoyed by the island range.
  12. Hawaii has become a popular destination for Americans to escape their cold winters and with its close proximity to Japan, and it is traditionally a principal tourist destination. Other industries include the export of coffee, macadamia nuts, pineapples, livestock, sugarcane and honey. Another export is honeybees, which are distributed by weight and is regarded as the islands most valuable export.Other industries playing a smaller part in the economy are food and apparel. The main airport, Honolulu International Airport (HNL) is situated on Oahu.
  13. It is the only state to grow coffee.
  14. The islands are actually the projecting tops of the biggest mountain range in the world.
  15. One-third of the world’s commercial pineapple supply comes from Hawaii.
  16. It is home to the worlds most active and largest volcano is Kilauea.

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