Pay Day Hawaii
paydayhawaii.com
4-901G Kuhio Highway
Kapaa, Kauai, HI 96746
Pay Day Hawaii is one of the most popular payday loan, check cashing and money wiring companies in Hawaii. This business has 11 locations spread across the islands and is best known for their commercials that play on local stations. This is a locally owned and operated business so when you utilize them for any of their services you will know that the money is put back into the local community.
The official Pay Day Hawaii website isn’t image heavy so you can use most mobile devices to access it. You can apply directly on the website, get more information about the company or find a location near you.
What They Offer
Pay Day Hawaii is a full service small finance company. They offer payday loans that go by the name “micro-credit advance” as well as prepaid debit cards, check cashing, Moneygram services and Mobi phones.
To qualify for a loan with them, you need to have a stable, verifiable income, ID and checking account in good standing. They do accept those who receive alternative income such as disability and social security but you may not qualify for the maximum amount.
Where They Are Located
Pay Day Hawaii has 11 locations across the Hawaiian island chain with a couple stores on each island. You’ve probably seen a commercial or two as they seem to play quite often and these commercials not only give you the web address but also the physical locations. You can always check the official website to make sure there’s an office near you.
Most of the process can be completed completely online so you may not even have to travel at all as long as you have access to your bank account online.
Rates/Terms
Being a local company, they follow all of the regulations set by the state of Hawaii. The maximum amount you can borrow is $600 and you’ll be expected to pay this back in full plus all the fees and finance charges within 32 days. This service is intended as a way to bridge your finances between paydays so most people are encouraged to pay the loans back in full on their next payday.
Additional Info
The official website has a lot of useful information related to personal finances. You can find many articles on how to choose a good bank, what to look for when choosing a checking account, saving and budgeting tips and much more.
You can sign up to become a member with Pay Day Hawaii that will give you deals via e-mail each month, let you earn a few bucks referring friends, and receive discounts if you tend to use their services often. The website does encourage you to only borrow as much as you actually need to pay a specific bill or take care of something. This company does not want to see you end up unable to pay your loan back and end up with lots of finance charges from your bank.
