Hawaii has no law written for title loans. A loan secured by your car is treated as an ordinary licensed consumer loan, so the state's consumer-loan rate cap applies.
Title loan rules in Hawaii at a glance
| Title-loan law | None. Car-secured loans follow the consumer-loan rules |
|---|---|
| Rate cap | A vehicle-secured loan is capped at 24% APR from a chapter 412 lender such as a financial services loan company, and generally 12% a year from other lenders (HRS §§ 412:9-302, 478-4) |
| Repossession | Allowed after default |
| Owe the balance after the car is sold? | Yes, the lender may collect what the sale did not cover. Check the statute for any minimum balance |
| Lender license | Required (Financial services loan company licence, HRS ch. 412 art. 9 (Division of Financial Institutions)) |
| Statute | HRS §§ 412:9-200(1), 412:9-302(b)(2), 478-4(a), 480J-2(a)(9) |
Source: HRS §§ 412:9-200(1), 412:9-302(b)(2), 478-4(a), 480J-2(a)(9) (read the law). We last checked it against the statute on October 6, 2026. See title loan laws in every state.
What a title loan costs in Hawaii
Under Hawaii's rate rules, borrowing $1,000 for 12 months costs $134.72 in interest or fees, so you repay $1,134.72 (24% APR). Your offer may differ.
| Loan | Term | Interest and fees | Total repaid | APR |
|---|---|---|---|---|
| $1,000 | 12 months | $134.72 | $1,134.72 | 24% |
| $2,500 | 12 months | $336.79 | $2,836.79 | 24% |
| $5,000 | 12 months | $673.58 | $5,673.58 | 24% |
Check whether the lender adds any fees: the written disclosure must show the full cost and the APR with every fee included.
What happens if you can't repay
If you fall behind, the lender can repossess your car. Read the default and notice terms in your contract before you sign. If the car is sold for less than you owe, the lender may be able to collect the difference. Some states allow this only when the unpaid balance is above a set amount, so check the statute or ask the lender.
If you think you will miss a payment, call the lender before the due date and ask what options it offers.
How to check a lender in Hawaii
Title lenders in Hawaii must be licensed (Financial services loan company licence, HRS ch. 412 art. 9 (Division of Financial Institutions)). Search for the lender on the official license lookup before you sign. Lenditup does not check lender licenses for you (see how we verify).
Looking for a loan in Hawaii?
The lenders in our network don't currently offer title loans in Hawaii. If you need money, these options don't put your car at risk:
- A personal loan. You can send one personal loan request; lenders in our network decide whether they lend in Hawaii. Read how installment loans work first.
- A credit union. Federal credit unions can offer small payday alternative loans with capped rates (NCUA rule). You usually need to be a member.
- Your creditors. If a bill is the problem, ask the company for a payment plan or a later due date before you borrow.
Lenditup is not a lender. Sending a request does not mean you will be approved; each lender sets its own rates and terms within Hawaii law.
Title loan questions for Hawaii
01What is the most a title lender can charge in Hawaii?
02What happens if I can't repay a title loan in Hawaii?
03How do I check that a title lender is licensed in Hawaii?
04Is Lenditup a title lender in Hawaii?
Title loan laws in other states
- Alabama
- Alaska
- Arizona
- California
- Colorado
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Mexico
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Compare every state side by side on the state title loan law table, or read how title loans work and what lenders ask for.