Payday Loans in Hawaii
Hawaii repealed its former payday/deferred-deposit lending law effective January 1, 2022. The state replaced that model with licensed small-dollar installment loans, so this page explains the prohibition and routes visitors to the current installment-loan framework.
Hawaii legal category: Deferred Deposit Transaction (former payday regime, repealed) · Hawaii repealed its deferred-deposit/payday lending law effective January 1, 2022 and replaced it with licensed installment lending under HRS Chapter 480J.
Hawaii payday loans at a glance
- Legal status
- Prohibited
- Legal category
- Deferred Deposit Transaction (former payday regime, repealed)
- Maximum amount in this regime
- Hawaii no longer authorizes the former payday/deferred-deposit product. There is therefore no current payday principal range to publish.
- Term
- The former payday term rules were repealed. Consumers seeking small-dollar credit are directed to the installment-loan framework instead.
- Regulator
- Hawaii Department of Commerce and Consumer Affairs — Division of Financial Institutions
- Verified
- 2026-09-06
Choose a loan type by amount
PLS Cash Advance currently presents request amounts from $200 to $5,000. The ranges below are navigation guidance between our state loan guides — not statutory limits, eligibility rules, or a promise of approval.
Payday Loans in Hawaii
Hawaii repealed its former payday/deferred-deposit lending law effective January 1, 2022. The state replaced that high-cost payday model with licensed small-dollar installment lending.
Installment Loans in Hawaii
Preferred routing for the full current PLS Cash Advance amount selector. Hawaii Chapter 480J covers licensed small-dollar installment loans up to $1,500, while other lawful consumer-loan authority can apply above that amount.
Amount and term limits
Hawaii no longer authorizes the former payday/deferred-deposit product. There is therefore no current payday principal range to publish.
The former payday term rules were repealed. Consumers seeking small-dollar credit are directed to the installment-loan framework instead.
Interest, fees and repayment
Hawaii DFI states that consumers can no longer obtain the former high-cost payday loans and that licensed small-dollar installment loans replaced them beginning January 1, 2022.
No current payday fee schedule is presented because Hawaii repealed the former high-cost payday lending law.
The former payday product is not available under current Hawaii law. The relevant small-dollar alternative is installment repayment under Chapter 480J.
Rollovers, refinancing and early payment
- Rollover allowed?
- No
No payday rollover is available because the payday/deferred-deposit regime was repealed. - Prepayment penalty allowed?
- Not reduced to a yes/no rule
Not applicable to the repealed payday product. Current Chapter 480J installment loans provide separate prepayment rights.
Hawaii borrower protections
- Hawaii DFI states that the former high-cost payday/deferred-deposit product is no longer available.
- Licensed small-dollar installment lending replaced the prior payday model beginning January 1, 2022.
- Consumers should verify an installment lender through Hawaii DFI before borrowing.
How to verify a lender in Hawaii
Regulator: Hawaii Department of Commerce and Consumer Affairs — Division of Financial Institutions.
Payday/deferred-deposit lending is no longer a current licensed product; verify any small-dollar installment lender through Hawaii DFI.
Official sources
- Hawaii DFI — New Small Dollar / Installment Loan law replacing payday lending · primary
- Hawaii Revised Statutes Chapter 480J — Installment Loans · primary
Last regulatory verification: 2026-09-06. Laws can change; verify current terms and lender status before borrowing. Read our research methodology.