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This page was last updated September 2018

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Fair Credit Lenders in Honolulu HI

Lenders: contact us for listing removal.

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Hawaii Credit Union League
1654 S King St Honolulu
HI 96826 - www.hcul.org
808.941.0556

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Hawaii USA Federal Credit Union
1538 Kapiolani Blvd #105, Honolulu
HI 96814 - www.hawaiiusafcu.com
808.973.1570

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Hawaii Federal Credit Union
1244 Kaumualii St, Honolulu
HI 96817 - www.hawaiifcu.org
808.847.1371

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Hawaii State Federal Credit Union
1099 Alakea St #100, Honolulu
HI 96813 - www.hawaiistatefcu.com
808.426.4370

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Hawaiian Tel Federal Credit Union
1138 N King St, Honolulu
HI 96817 - www.hitelfcu.com
808.832.8700

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Hawaii Central Federal Credit Union
681 S King St, Honolulu
HI 96813 - www.hawaiicentral.org
808.536.3677

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Aloha Pacific Federal Credit Union
832 S Hotel St, Honolulu
HI 96813 - www.alohapacific.com
808.531.3711

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Oahu Federal Credit Union
2219 Pauoa Rd, Honolulu
HI 96813 - oahufcu.org
808.521.6727

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Kamehameha Federal Credit Union
1620 N School St, Honolulu
HI 96817 - kamehamehafcu.org
808.842.9660

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University of Hawaii FCU
2019 S King Street Honolulu
HI 96826 - www.uhfcu.com
808.983.5500

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Bad Credit Loans in Honolulu HI

Fast Loan Pre-App Method
Accessing Bad Credit Lender Pool (?)

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Honolulu HI Lender Area Map

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Honolulu HI Loan App Volume

Top 5 Honolulu neighborhood loan app volume

  1. Ala Moana
  2. Lower Punchbowl
  3. Kapahulu
  4. Kalihi Ahupua
  5. Moanalua

Pearl Harbour Honolulu Hawaii: Licensing

Honolulu Bad Credit Loan Example

Dave is a single dad supporting his one child. The mom is not in the picture, so Dave has full custody of his daughter who he loves with all of his heart.

Needless to say, money is short with all of the bills he has to deal with and no one to help him financially. He has a full time job and even works overtime to help pay the bills.

Fortunately for Dave, his parents pitch in and provide child care for his daughter while he is working.

He drives to work and needs his car to make the 25 miles from where he lives close to his parents to his job. Moving closer to work is not an option.

He would lose the free child care that his parents provide. They are very happy looking after their grand daughter and also would not want Dave to move. This arrangement works out well for everyone.

The problem for Dave is that he has neglected the maintenance on his car and now he really needs to spend some money on it. A combination of tires, brakes and a minor muffler system repair adds up to over $2000 in repairs.

He needs to get this work done soon. His tires are almost bald and the brakes are squealing which means that the pads are finished and it is metal on metal.

He will do more damage soon to the rotors if he does not get the brakes fixed immediately.

With a $2000 loan he can have his car repaired. While it is in the shop, he will use his father’s car for a day or two to get to work. He really has the best parents ever.

A $2000 loan with a 1 year term 8.5% interest rate for Dave would cost him the following per month:

• Loan Amount (principal) = $2000
• Interest Rate = 8.5%
• Term Length = 1 year
• Monthly Payment = $174.44
• Total Paid Back = $2093.27
• Total Interest = $93.27

Although Dave does not make a lot of money, he has kept up with all of his bills and credit card payments. He currently does not owe anything on his credit card and has no other loans. He rents the home he lives in and is current with his rent and utility payments.

He could use his credit card to pay for the repairs, however he wants to know that he can be approved for a loan first. He does not want to spend the money and then find out he cannot obtain a loan at a lower interest rate.

does not want to get caught paying credit card interest rates on any overdue balance.

Although everything is current and he has no missed payments, his credit rating is just above the bad credit level. This is due probably to his recent divorce and the separation of credit and finances that came with it.

A bad credit rating makes it more difficult to be approved for a loan and usually higher interest rates as well to reflect the perceived increased risk associated with a bad credit loan.
The lenders are still reviewing his application.

He likely will be approved for the one-year loan he has applied for; however, the interest rate may be a little higher than he would like. It still will be well below his credit card rate.

If you're living in Honolulu Hawaii like Dave, and need a loan regardless of your credit rating, we may be able to help you find a willing lender.

Sincerely,

Andy Somerset

Andy Somerset is a writer for the WFL Project.

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Upgrades Nearest Honolulu HI

Job/Income Upgrades: Indeed / Monster

Education Upgrades: College / University

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Honolulu Credit Counseling

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Counselors contact us for listing removal or info change.

Debt Free Hawaii
46-005 Kawa St #206 Kaneohe
HI 96744 - www.debtfreehawaii.com
808.339.3310

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Consumer Credit Counseling
1164 Bishop Street #1614, Honolulu
HI 96813 - 808.532.3225
www.legalaidhawaii.org

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Money Management International
7 Waterfront Plaza, 500, Ala Moana
Boulevard Suite 400, Honolulu, HI 96813
www.moneymanagement.org
713.394.3232

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Honolulu Assistance Programs

Food Bank: Hawaii Foodbank / Address: 2611 Kilihau Street, Honolulu, Hawaii 96819 / Phone: 808.836.3600

Hot/Cold Meals: River of Life Mission / Address: 101 North Pauahi Street, Honolulu, Hawaii 96817 / Phone: 808.524.7656 / Hours: 8-5 Monday - Friday / @ Corner of Pauahi and Maunakea, double doors in the Pauahi side entrance / Email: info@riveroflifemission.org

Shelter In Case of Eviction: Waikiki Health's Next Step Shelter / Address: 200 Keawe Street, Honolulu, Hawaii 96813 / Phone: 808.585.8800 / Hours: All days 24 hours

State Government Assistance Programs: Hawaii Department of Human Services

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Usury Law Governing Honolulu HI

Summary of Hawaii Usury Law(s) / Quote: Legal: 5.5% Contract: 5.5% plus surcharge; any rate over $100,000 not secured by mortgage or residence / Judgment: 5.5% / Corporate: No rate specified (read more on Hawaii lending laws)

Complaint process for Honolulu residents:

Write to: Division of Financial Institutions, Department of Commerce and Consumer Affairs, P.O. Box 2054
Honolulu, HI 96805 / In Person: Division of Financial Institutions - Department of Commerce and Consumer Affairs
335 Merchant Street, Room 22, Honolulu, HI 96813 / Email: dfi@dcca.hawaii.gov / Department of Commerce and Consumer Affairs / Hawaii Complaint Process / Hawaii Complaint Form (PDF)

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WFL Loan Products

Honolulu residents dealing with a bad credit score can read about our bad credit loans network, OR if your rating is in the average zone, you can read about fair credit loan pool. If you're DEEP in high interest debt, please read about our debt consolidation loan resources.

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