Payday Loans in Hawaii | Cash Day USA

Hawaii Payday Loans

Fast Cash — Apply Online or In-Store

Borrow up to $600 — no hard credit check

Soft credit inquiry only — zero impact on your score

Same-day funding if approved before 10:30 AM PT on a weekday

1 convenient HI store location

Updated: Jun 08, 2026

Requirements

What Do You Need to Apply?

Here is what we ask for to verify your loan eligibility in Hawaii:

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Minimum age of 18 years

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Must be a Hawaii resident

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Documentation of regular monthly income

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Valid and active checking account

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Current government-issued identification

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Valid Social Security number

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Working email address and phone number

Process

How to Get a Payday Loan in Hawaii

Applying through Cash Day USA is a quick, simple, and secure process:

Submit Your Online Application

Complete our straightforward online form available 24/7 on our website. The entire application process takes just five minutes—no complicated paperwork required.

Get Your Approval Decision

After submitting your application, you'll receive an instant approval decision. Since we don't require a credit check, the process is fast and hassle-free.

Receive Your Funds

Once approved, your funds will be transferred directly to your bank account the same day.*

*Loans originated before 10:30 AM on weekdays are typically funded the same day. Applications after 10:30 AM or on weekends are processed on the next banking day.

Locations

Our Locations in Hawaii

We deliver emergency assistance across the state. Visit the nearest location to get a payday loan in Hawaii:

📍 Honolulu, HI ★ 4.8 (0)

1132 Bishop Street suite 126, 96813
96813

(808) 517-5993

Installment Loans

View Location Details → Visit Store →

Rates & Terms

Hawaii Rates & Terms

Payday loans in Hawaii are regulated with specific limits and protections. The maximum loan amount is $600 with a standard term of 14-31 days. A typical 14-day loan carries an APR of approximately 36% APR Cap.

Loan Amount	Finance Charge	Total Payment	APR (14-day)	APR (31-day)
	$13.57
	$53.28
	$139.65
	$308.32

Why Choose Us

About Cash Day USA in Hawaii

Cash Day USA is a licensed direct lender serving Hawaii residents. We specialize in fast, transparent payday loans designed for short-term emergency cash needs. With 1 convenient locations across Hawaii plus a fully online application available 24/7, getting the emergency cash you need has never been easier.

We perform only a soft credit check with no impact on your FICO score. Our income-based approval means borrowers with bad credit or no credit history are welcome to apply. Over 140,000 customers nationwide have trusted us with their short-term lending needs.

Our Hawaii customers rate us 4.8/5 stars across 1 locations. We're committed to transparent lending practices and compliance with all Hawaii regulations.

Get quick cash in Hawaii today!

Apply online or visit one of our 1 Hawaii locations — it takes only minutes.

Apply Now

FAQ

Frequently Asked Questions about Hawaii Payday Loans

Find answers to common questions about getting payday loans in Hawaii:

Are payday loans legal in Hawaii?

Payday loans are not legal in Hawaii. The state banned them in 2022 through Act 56. Legal alternatives like small-dollar installment loans are now available instead.

What is the maximum APR allowed?

Hawaii caps the APR on small-dollar loans at 36%. This includes interest and all associated fees.

Can I apply online?

Yes. You can apply for a legal online loan through 1F Cash Advance. Our application is accessible 24/7 on our website.

Is bad credit accepted?

Yes. We approve applications based on income, employment status, existing debts, and payment history. We only run soft credit checks to assess your financial situation.

How fast can I get my money?

If you sign before 10:30 am on a business day, funds may be deposited the same day. Applications completed after 10:30 am or on weekends will be funded the next business day.