Hawaii Online Loan Rates and Fees

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Hawaii Deferred Deposit Transaction

Rates and Terms for Hawaii

Loan Amounts:	The maximum loan amount for Hawaii residents is $510. Based on your income and other factors, loan limits will be determined on an individual basis.
Loan Balances:	Loan balance, including fees, cannot exceed 25 percent of gross monthly income up to $600.00
Term of Loan:	Maximum of 32 days
Permitted Fees:	15 percent of the face value of the check. The fee charged for a deferred presentment loan is $17.65 per $100.00 borrowed. The finance charge is considered fully earned as of the date on which the loan is made. The Annual Percentage Rate ("APR") will vary depending on the length of your loan (see table below). Please see your loan agreement for the APR and other terms applicable to your loan.

Additional Information:

Your Right to Rescind (cancel) this loan - A borrower may rescind a deferred deposit agreement without cost for any reason, not later than the close of business on the business day following the date of the deferred presentment service transaction.

Example APR and Fee Schedule:

The Annual Percentage Rate (“APR”) will vary depending on the length of your loan (see table below). The table below shows the Annual Percentage Rate ("APR") and Fees Charged for loan amounts ranging from $100 to $500 and loan terms ranging from 7 to 30 days in length.

Amount Borrowed	Fees Charged	Amount Due	Days	APR %	Days	APR %	Days	APR %
$100.00	$17.65	$117.65	7	920.17%	14	460.08%	30	214.71%
$200.00	$35.29	$235.29
$300.00	$52.94	$352.94
$400.00	$70.59	$470.59
$500.00	$88.24	$588.24

Finance Charge is $17.65 per $100.00 borrowed
Non-Sufficient Funds Fee: $20.00

Loan License and Registration:

Hawaii Department of Commerce and Consumer Affairs
Consumer Resource Center
235 S. Beretania Street, Rm 801
Honolulu HI 96813
Phone: (808) 587-3222

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Payday Loans are also commonly referred to as Cash Advance, Payday Advances, Payday Advance Loans and Fast Cash Loans

Check City does not usually utilize traditional credit checks as part of the payday loan approval process. However, Check City may, at its discretion, verify application information by using national consumer loan underwriting databases that may include information relating to previous cash advance transactions that Check City may take into consideration in the approval process. Additionally:

*Actual loan amounts vary. See State Center for specific information and requirements.

***Products or services offered to customers may vary based on customer eligibility and applicable state or federal law.

***Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria

Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

Check City provides loan services in: Alabama, California, Hawaii, Idaho, Illinois, Indiana, Kansas, Michigan, Missouri, Nevada, New Mexico, North Dakota, South Dakota, Texas, Utah, Wisconsin, and Wyoming.

Check City acts as a credit services organization/credit access business (CSO/CAB) in Texas and is not the lender – loans there are made by a third-party lender.

*Loan proceeds issued through our website are generally deposited via ACH for delivery next business day if approved by 8pm CT Mon. – Thu. or by 8pm Saturday.

‡Maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details.

++Please see Rates and Terms to check the availability of online loans in your state. Check City does not provide loan services in all states.

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