Best Online Payday Loans In Hawaii

It is legal to acquire online payday loans in Hawaii, but much like other states that allow this type of lending, certain limitations apply. The state designs these regulations to protect the best interests of consumers.

If you abide by the rules set forth by the state of Hawaii regarding payday lending, the state will protect you should you face any legal concerns with your lender. It is important to remember that while you might be able to obtain online personal loans in Hawaii, you’ll still want to ensure the lenders are licensed explicitly in the state. Otherwise, your protection might be limited.

The first step in the process of getting a payday loan is going to be ensuring you have found an adequately licensed Hawaii lender, even if it’s online. If you end up with a payday loan that does not have proper licensing authorized by the state, the state of Hawaii will have limited ability in assisting you, should you need it later down the line. 

In our efforts to assist you, we have compiled a list of the 7 best online payday loans in Hawaii to get you started.

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The 7 Best Online Payday Loans in Hawaii


Check City Hawaii Online Payday Loans

Check City is a payday lender that offers both online and in-store services. Currently, the only physical store locations are in Utah, Colorado, Nevada, and Virginia. Although Check City does not have any Hawaiian locations currently, the company lends itself safely to anyone in Hawaii. It is heavily regulated by the Hawaii Department of Commerce and Consumer Affairs based out of Honolulu.

Not only does Check City comply with Hawaii state laws and regulations, but it also follows federal laws regarding cash advances. Some of these include the Electronic Fund Transfer Act (EFTA), the Fair Credit Report Act (FCRA), the Truth and Lending Act (TILA), and the Equal Credit Opportunity Act (ECOA).

APR and Fee Schedule templates are available through the Check City website based on a 14-day loan term. Keep in mind that variable factors will determine the terms and conditions for your loan, which you will discuss in detail with a Check City representative. 

The Better Business Bureau ranks Check City with a 4.45-star rating. However, the reviews are a bit dated, with September 2019 being the most recent. According to Trustpilot, a consumer review website, Check City has a 4.5-star rating with the most recent post from August 2020.


Check Into Cash Payday Loans Hawaii Online

Like Check City, Check Into Cash is both an online and in-store payday lender currently licensed in the state of Hawaii. Founded in Cleveland, Tennessee back in 1993, Check Into Cash has been in the industry for nearly 30 years, with a focus on short-term credit solutions. Currently, Check Into Cash has over 700 physical stores across the US.

Now providing services across 25 different states, Check Into Cash has options that include cash advances, check cashing, payday advances, title pawns, title loans, bill pay services, Western Union, and reloadable U.S. money cards. Products specific to online services include online installment loans in Hawaii and payday loans.

To apply for a payday loan, fill out an online application or reach out to a customer service representative who will notify you of what prequalifications you are eligible for. A member of INFiN, a Financial Services Alliance, Check Into Cash and its site have been verified by Network Solutions, providing confidence in online customer transactions.

Check Into Cash, Inc. has a rating of 2.6 stars from customer reviews on the Better Business Bureau. Although this rating isn’t exemplary, when you consider how large the company Check Into Cash is, the amount of complaints is fairly minimal.


Cash Central Hawaii Personal Loans

Next up, we have Cash Central, another online lender licensed in Hawaii that provides options for payday loans across the state. Unlike the other lenders listed so far, Cash Central is only accessible online, where you can quickly and easily view the terms of Hawaii payday loans without speaking with a representative.

Cash Central ensures the safety and security of the loans provided to its customers by being an active member of INFiN, a Financial Services Alliance formerly known as the Financial Service Centers of America (FiSCA). Former FiSCA members and the Community of Financial Services Association of America (CFSA) make up INFiN, known as one of the country’s leading national trade associations.

When it comes to funding, Cash Central will deposit your loan directly into your bank account. Then, once your loan comes due, and the repayment is required, Cash Central will gain access to the necessary funds through your checking account with your approval of the electronic withdrawal. You can opt for alternative repayment options by contacting Cash Central directly and speaking with a customer service representative.

The Better Business Bureau ranking for Cash Central is not in its favor, with a one-star rating. You should take this ranking with a grain of salt, as it is listed under its parent company, Community Choice Financial, Inc.


Maybe Loan Hawaii Online Cash Advance

Originating out of Russia and Ukraine, MaybeLoan started as a developing online lending company in 2014. The demand for lending services in the United States led MaybeLoan to start expanding. Today, 100 people receive loans daily through its online services, with licensing in 39 states across the country, including Hawaii.

To apply for a payday loan through MaybeLoan, simply fill out an online application through the website. If your application gets approved, you can access your money in as little as 24 hours. MaybeLoan will check your information so it can be sure you can repay the loan, but in doing so, it will not focus on your credit score. So, if you have any concerns with bad credit, you don’t have to worry with MaybeLoan.

MaybeLoan offers easy access to its Loan Payments Calculator, specific to Hawaii, where you can grasp a better picture of what your payday loan terms will look like. Here, you will be able to view your estimated monthly payments with a breakdown of the principal amount, total interest, and total payment amount., the online website legitimizing tool, ranks MaybeLoan with a Trustscore of 95%. This rating means the website has a high trust rating and is safe for you to be conducting your business.


Hawaii Cashnet USA PayDay Loans

Another provider of online short-term loans that has been around for some time now is CashNetUSA, which has worked with over three million customers across the United States. Having operated for nearly 20 years, CashNetUSA is a Hawaii state-licensed online lender that offers various products. Utilize online services, which include payday and installment loans, and other credit products. 

CashNetUSA helps anyone looking for short-term online loans in Hawaii by offering loans of up to $500, which is unique as the maximum allowed by the state is $600. The company is popular for smaller payday loans, so Hawaii’s $500 is the maximum you will see from CashNetUSA in a payday loan.

Apply online through the CashNetUSA website. If your application is approved before 5:30 a.m. during the work week, you can receive a same-day deposit. Luckily, once your application is reviewed, the decisions are made immediately. Look online to review the Fee Schedule and Annual Percentage Rates with CashNetUSA.

Trustpilot, the consumer review website, ranks CashNetUSA with a 4.6-star rating. With over 15,500 customer reviews, it’s incredible to see that only 5% rank the business as “bad.” If you dig deeper and read through the reviews listed, you see that CashNetUSA responds promptly to any negative comments, showing a superior level of customer service.


Speedy Payday Loans Hawaii

SpeedyLoan offers a wide range of crediting services online to help anyone with budgeting concerns. Regardless of credit history, SpeedyLoan will allow you access to the financial support you need. Applications take less than 10 minutes to complete and send back.

Representatives of will review your application information and get back to you quickly, in hopes of getting you your funds within one business day. has ranked SpeedyLoan with a Trustscore of 100%. typically views any website that ranks with an 80% score or higher as safe, but 100% ensures the site to be completely safe according to the ratings.


While Instant Loans USA is not a lending service, it can help connect you with lenders that offer personal loans and payday loans. For payday loans specifically, Instant Loans USA services 31 states across the country, including Hawaii.

Apply quickly online by entering general application information, including your email address, first and last name, and the amount you seek for your loan. You can take comfort in knowing that Instant Loans USA is available for anyone with bad credit.

Instant Loans USA accesses rates and fees from over 300+ direct lenders to help you get the best funding situation possible. All loans that Instant Loans USA accesses for you will allow direct deposit funding. While Instant Loans USA does not determine loan decisions, you can find more information about rates and fees through the website.

According to, the online website legitimizing tool, Instant Loans USA is ranked with a Trustscore of 90%. This rating means that finds Instant Loans USA to be a legitimate and safe website for consumers to access.


If you have a few questions about payday loans or the process, look at our frequently asked questions for more information.

What Is a Payday Loan?

A payday loan is essentially a short-term loan that typically comes with a high-interest rate. The name payday loan is in reference to a short-term loan, as they are made to only last until you receive your next paycheck.

Typically, payday loans are much smaller amounts than what you can borrow from a bank or other financial institution. In the states that payday loans are legal, there are usually maximum payday loan amounts.

How Much Can I Borrow From a Payday Loan?

As previously mentioned, there are limitations to payday loan amounts. These types of loans do not usually exceed $500. There are also state limitations that properly licensed lenders will not exceed.

How Do Payday Loans Work?

As to be expected by the name, payday loan terms are usually two weeks. You can typically negotiate the terms, depending on the lender. The interest rate is incredibly high on payday loans, usually somewhere between 100% and 300%. In addition to high interest, you can also expect to pay a fee for every $100 you borrow. Usually, that fee is somewhere between $10 to $20.

What Is Required for a Payday Loan?

Unlike other types of loans, payday loans can be desirable because they do not require a credit check. They are unsecured loans, so there is no need to provide any collateral. Typically, all you will need to provide to the lender is the identification and a phone number where you can be reached.

Lenders will also want to verify that you have some source of income, as well as an active bank account. This information helps ensure that you have the means to cover the repayment when it is due.

What Is the Easiest Loan to Get Approved For?

Generally speaking, the smaller amount of money you are looking for upfront will be the more accessible loan to obtain. Since borrowing a small amount of money is less threat to the lender, it is more likely you will be approved.

What Are Alternatives to Payday Loans?

Payday loans are a quick way to get cash when needed but they do come at a cost. There are some alternatives you could also consider before opting for a payday loan.

Borrow Money from a Peer

If it is at all possible, you might want to consider turning to a peer to borrow. With peer-to-peer lending, you can cut out the middle man who collects on your interest rate.

Ask for a Paycheck Advance

Sometimes, you might be able to ask your employer for a paycheck advance. This option will help get you the cash you need without having to worry about interest rates. You should only consider asking for a paycheck advance if you have steady employment and manage your money well.

Open a 0% Interest Credit Card

If you can open a 0% interest credit card, you can help cover your immediate expenses and save some time on interest. These types of credit cards can give you some breathing room while you get your financial situation sorted. Remember that the interest rate will come back, and the application for the credit card will impact your credit score as well.


So, there you have it—our list of the 7 best online payday loans in Hawaii. Don’t forget that the first step of your payday lending process should be to find an adequately licensed lender in the state of Hawaii. We’ve gone ahead and done the heavy lifting for you, so you don’t have to. Every lender on our list is licensed in the state of Hawaii.

You always want to make sure to access loans through state-licensed lenders because in the unlikely event you will get stuck in a legal bind, the state of Hawaii will be able to protect your rights. When the state licenses the lender, the state will have more authority over the entity and therefore over any recovery needed.

If you are in a bind and you need cash quickly, a payday loan can be a viable option for you. You just need to be sure to do your research and find a reliable lender, so you don’t have to deal with any headaches from them later on.

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