Fair to Bad Credit Loans in HI

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Last updated December 2nd 2018

Commentary is for informational purposes only. See legal disclaimers here.

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Hawaii Usury and Regulations

Summary of Hawaii Usury Law(s) / Legal: 10% Contract: 1% per month / Judgment: 10% / Corporate: No specific rate

(WeFindLenders.com endeavors to include the most up to date legal data for Hawaii, but no guarantee or warranty of any kind is expressed or implied as to the accuracy of said data. This data is not intended to be legal advice. For legal help speak with a lawyer in Hawaii, and/or contact the Hawaii State government's division of banking and finance - legal statutes researched by FindLaw.com & American Lawyers Quarterly - (see credits)

Hawaii Usury Law Information:

Legal Maximum Interest Rates: Quote: "10% H.R.S. 478-2"

Usury Penalties: Quote: "Creditor may recover principal only; Debtor recovers costs / Creditor fined up to $250 and/or prison up to 1 year H.R.S. 478-5, 6"

Judgment Interest Rates:
Quote: "10% on judgment for any civil suit (H.R.S. 478-3)"

Legal Exceptions: Nil

Hawaii Lenders By City

Honolulu HI / Pearl City HI / Mililani HI / Waipahu HI / Kaneohe HI / Ewa Gentry HI / Mililani Mauka HI / Wahiawa HI / Kapolei HI

Complaints to:

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)

Main Office Information: Division of Financial Institutions, Department of Commerce and Consumer Affairs: King Kalakaua Building, 335 Merchant Street, Room 221, Honolulu, HI 96813 / Phone: (808) 586-2820 / Fax: (808) 586-2818 / Residents In Other Islands Call: Kauai 274-3141, Maui 984-2400, Hawaii (808) 974-4000, Lanai & Molokai 1-800-468-4644 (toll free)

Hawaii Lender Service Areas Map

Hawaii Bad Credit Lenders Map - Initial Static Image

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

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

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Molokai Community Federal CU
135 Puali Pl, Kaunakakai
HI 96748 - 808.553.5328
www.molokaicommunityfcu.com

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Maui Federal Credit Union
107 E Wakea Ave, Kahului
HI 96732 - www.mauifcu.com
808.873.5050

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HawaiiUSA FCU
1310 S Kihei Rd, Kihei
HI 96753 - 808.875.5700
www.hawaiiusafcu.com

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Valley Isle Community FCU
160 Paahana St, Kahului
HI 96732 - www.vicfcu.org
808.877.3232

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Hawaii County Employees FCU
131 Puuhonu Wy, Hilo
HI 96720 - 808.935.2969
www.hawaiicountyfcu.com

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HELCO Federal Credit Union
1437 Kilauea Ave #105, Hilo
HI 96720 - www.helcofcu.org
808.969.6999

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Big Island Fed Credit Union
66 Lono St, Hilo
HI 96720 - 808.935.9778
www.bigislandfcu.com

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Bank of Hawaii Hawaii
7192 Kalanianaole Hwy Honolulu
HI 96825 - www.boh.com
808.397.4010

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Bank of Hawaii
67-1191 Mamalahoa Hwy, Waimea
HI 96743 - www.boh.com
808.885.7995

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Bank of Hawaii Safeway
377 Keahole Street, Honolulu
HI 96825 - www.boh.com
808.397.2250

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Bad Credit Loan Form for Hawaii

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Signature Loan Example In Hawaii

Gerry’s son goes to a private school in Honolulu and the tuition is due in a few weeks. He also needs repairs to the transmission for his truck and some minor repairs to his wife’s car.

All of this adds up to around $11000 and he has applied for a personal signature loan to help him through this financial period.

Although Gerry did not want to apply for a loan, recent events left him no choice. There are the current issues of tuition to pay and repairs to the truck and the car to worry about.

But Gerry also had to deal with some health issues earlier in the year. He has health insurance but with a $5000 deductible, his savings were quickly depleted.

At least he had the money to pay for the medical costs, but it left him with nothing in the bank to deal with ongoing expenses or any other emergencies that occur.

Both he and his wife work full time and his son even has a part time job. They believe in working hard for their living and paying their way without turning to credit for help.

But sometimes life just throws curve balls at you and you have to deal with them.

Although he has applied for signature loan with a four year term, he very much wants to repay the loan in less time than the four years.

He really does not like paying the $1460 interest this loan will cost if he can avoid it.

A $11000 loan with a four year term and 6.25% interest rate for Gerry would cost him the following per month:

• Loan Amount (principal) = $11000
• Interest Rate = 6.25%
• Term Length =4 year
• Monthly Payment = $259.60
• Total Paid Back = $12460.70
• Total Interest = $1460.70

Gerry and his family are exactly the kind of clients many lenders would like to have. They work hard, they pay their bills and they have a great credit rating.

They are great credit risks and as a result he can obtain a loan with a very competitive interest rate.

His son understands the value of going to a private school and the amount of money it costs his family. Gerry is willing to pay for the tuition, however his son must work to make spending money and purchase his books etc.

For many this may sound cheap, however it is a tough life lesson for his son to help understand the value of a dollar earned. He is very careful of how he spends his own money. He has learned a lot from his dad.

The loan will also help Gerry pay for the repairs to his trucks transmission.

Gerry uses the truck for odd jobs the he does to earn a little extra income in addition to his regular job. His wife needs her car to get back and forth to work.

This loan will help them both earn income and continue to meet their goals for financial independence. The lenders are pretty certain he will repay this loan in less time than the four year contracted term.

If you live in the State of Hawaii and you're struggling to get a loan approval with a bad credit rating we hope our website helps you in some way.

Sincerely,

Chris Somerset

Chris Somerset is the daughter of Lance Somerset who founded the We Find Lenders Pool. She contributes to WeFindLenders.com whenever she's not having fun with her three children and her husband Ron.

Debt Consolidation Loans in Hawaii

Last 5 debt service loans approved in the State of Hawaii. Source: WFL Lender Pool. Updated Weekly. Principals rounded to the nearest $1000. Relative interest rates listed below in order left to right.

$75000 $45000 $5000 850000 $9000

9.93% 15.69% 11.71% 11.88% 6.15%

Debt Consolidation Providers In HI

Hawaii Debt Consolidation Loan Providers - Initial Static Image

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Lenders
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Debt Free Hawaii
46-5 Kawa St Kaneohe
HI 96744 - 808.339.3310
www.debtfreehawaii.com

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CU Hawaii FCU
75-5781 Kuakini Highway
Kailua-Kona, HI 96740
www.cuhawaii.com
808.933.6700

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CU Hawaii FCU
16-710 Milo St, Keaau
HI 96749 - 808.933.6700
www.creditunionsonline.com

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Big Island FCU
75-5737 Kuakini Hwy #101
Kailua-Kona, HI 96740
www.bigislandfcu.com
808.329.8889

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Hawaii Community FCU
73-5611 Olowalu St, Kailua-Kona
HI 96740 - www.hicommfcu.com
808.930.7700

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Valley Isle Community FCU
160 Paahana St, Kahului
HI 96732 - www.vicfcu.org
808.877.3232

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Maui County FCU
270 Dairy Rd #146, Kahului
HI 96732 - 808.244.7968
www.mauicountyfcu.org

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West Oahu Community FCU
91-1717 Fort Weaver Rd
#B, Ewa Beach, HI 96706
www.wocfcu.com
808.689.3000

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Pearl Hawaii FCU
91-1401 Fort Weaver Road
Suite A-102, Ewa Beach
HI 96706 - www.phfcu.com
808.737.4328

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Ewa FCU
91-1202 Renton Road #A
Ewa Beach, HI 96706
www.ewafcu.com
808.681.3033

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OE FCU
2181 Lauwiliwili Street
#120, Kapolei, HI 96707
www.oefcu.org
808.682.4440

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HI Debt Consolidation Application Form

Hawaii Application Form
Bad Credit Debt Consolidation Loans (?)
 

About Debt Consolidation Loans In HI

If you live on one of the Hawaiian islands and been up to your ears in debt, you're probably close to being desperate for a consolidation loan. If you're credit score is damaged it will be hard to find a bank, credit union, or private lender who will approve your loan.

If you can't get approved for a consolidation loan with an APR lower than your existing credit card balances or loans you have, you might have to get your credit rating improved. You can do this yourself or you can hire a company to help you. It will take some time, but you should get on it sooner than later.

Consolidation Loan Example in Hawaii

Vickie’s story is typical of many consumers. She is struggling to make a living like everyone else, pay her bills and trying to get ahead in life.

Like many consumers she lost her job for a little while, ran up some debt, got a new job and is trying to pay off the debt she has.

Vickie needs $5000 dollars to consolidate her debt into one low interest loan with a relatively small monthly payment. She has a credit card that is almost at its maximum debt limit.

She also owes two months’ rent to her landlord. He has been kind enough to extend her credit for the two months, but has told her that if she does not pay her back rent soon, he will have to start the eviction process to remove her from her apartment. She is desperate to avoid this step.

She also took out a small pay day loan which she knows is very expensive, but she felt she had no other choice at the time.

If she can borrow the $5000, she can pay the pay day loan off in full, her credit card and most important catch up on her rent. She is so afraid that she will have to move.

She really likes the location and her apartment has become the home away from home for her. She does not want to lose it. She also knows that her credit score will take a hit if it has not already if she is evicted.

Vickie has applied for a $5000 loan with a three year term which will lower her monthly payments and will help manage her monthly cash flow.

A $5000 loan with a three year term and 7.74% interest rate for Vickie would cost her the following per month:

• Loan Amount (principal) = $5000
• Interest Rate = 7.74%
• Term Length =3 year
• Monthly Payment = $156.08
• Total Paid Back = $5618.98
• Total Interest = $618.98

Since Vickie lost her job she has been working two different jobs both to make a little more money and to also avoid ending up with no income at all if she were to be laid off.

In the present economy, it can be really difficult to keep a job. She works in the service industry, works hard and has a good reputation within the industry.

Unfortunately, many restaurants come and go because the clientele is always looking for the next great food fad and business ebbs and flows accordingly.

She has figured out her priorities and knows that she must have sufficient income for rent, utilities, and food on the table. Only after that does she spend money on entertainment and spoiling herself.

Sounds like a tough life, but then that is pretty much what most consumers are dealing with. Right now she needs a loan to help her through this tough patch and with $5000 she feels she can get her life back in order. She is fully committed to repaying this debt consolidation loan.

If you live in the State of Hawaii and you're trying to get approved for a debt consolidation loan, we hope our website helps you find a good lender regardless of your credit rating.

Sincerely,

Andy Somerset

Andy Somerset is the son of Lance Somerset who founded the We Find Lenders Pool. He writes for WeFindLenders.com whenever he's not working hard on his degree in finance.

Credit Counseling Services In HI

Hawaii Credit Counseling Providers - Initial Static Image

Click or tap map image above for interactive version.
Counselors
contact us for listing removal or amendment.

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Consumer Credit Counseling Services
632 Kinoole St Hilo
HI 96720 - 808.969.7136

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Credit Associates of Hawaii
1221 Kapiolani Blvd #245, Honolulu
HI 96814 - creditassoc.com
808.597.8922

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Consumer Credit Counseling Services
95 Mahalani St # 6, Wailuku
HI 96793 - 808.242.8399

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WFL Loan Product Menu

  • Bad credit scores below FICO 650
  • 200+ lenders review your pre-application(s)
  • Applying does not worsen your credit score
  • Interest rates starting as low as 9% (cs)
  • Collateral not always required
  • Funding between 24 hours and 5 days
  • Terms from 6 months to 10 years
  • Borrow between $500 and $50,000
  • Loans for people with 650+ credit scores
  • 500+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
  • Fast approvals and fast funding
  • Line of credit approvals with reasonable APR
  • Borrow between $500 and $150,000
  • Lenders who provide bad credit consolidation
  • Debt settlement or debt relief services
  • 300+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
  • Seamless approval and funding process
  • Debt relief counseling available
  • Borrow form $5000 - $150,000

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