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Hawaii Payday Loan Laws Details
The data provided here is for general informational purposes and should not be used as legal reference. If you have questions regarding Hawaii payday loan laws contact the Hawaii Department of Commerce and Consumer Affairs.
|Rates or Fees (max)||15% of check|
|Term Limitations||Max: 32 days|
In Hawaii, no rollovers are permitted (cannot refinance or consolidate). Nothing is mentioned about cooling periods between loans. Hawaii has no requirements for extended repayment plans.
For example, in Hawaii the rates and fees on a 14 day, $100 loan are:
Hawaii also defines regulations around collections. If available, the table below lists the fees lenders are permitted to charge if the loan is not repaid and/or whether a lender can threaten use of or use criminal action if a borrower is unable to repay a loan.
|Collection Fees||$20 NSF fee; Check Casher that accepts check passed on insufficient funds not entitled to recover damages|
|Criminal Action||Prohibited (Unless check returned due to closed account or stop-payment by maker)|
A check casher may charge a fee for deferred deposit of a personal check in an amount not to exceed 15 percent of the face amount of the check.