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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.

Cooling Off Period: In Hawaii, remotely created checks are used to process loan payments. For this reason a 5 day cool off period is required to allow time for the check to clear.

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

Regulated By:

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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