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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.

Term of Loan: Maximum of 32 days
Loan Fees: 15 percent of the face value of the check. The finance charge for a deferred presentment loan is $17.64 per $100.00 borrowed. The finance charge is considered fully earned as of the date on which the loan is made.

Your Annual Percentage Rate (“APR”) is the cost of your credit as a yearly rate and will vary depending on the length of your loan. 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 3 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:

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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