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Title loans in Hawaii

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Shir Amram

Written by: Shir Amram

Exploring Title Loans in Hawaii

Aloha! Title loans in Hawaii have become a go-to option for individuals seeking fast cash when traditional bank loans are off the table due to poor credit scores. 

However, are they the ideal choice for your situation?

Hawaii Flag, USA

Hawaii, known as "The Aloha State," features the Union Jack, the British flag, as a symbol of its historical ties, alongside the American flag on its state flag.

Can You Get Title Loans in Hawaii?

Important Notice: Yes, Hawaii residents can access title loans through certain online lenders operating within FDIC jurisdiction, even though the state has some restrictions on them.

With Montana Capital Car Title Loans, you can quickly fill out an online request form and receive pre-approval for a car title loan in minutes, with no obligation involved.

Key Takeaways:

  • Hawaii residents can legally utilize title loans, despite state regulations.
  • Title loans secure your loan with your vehicle, enabling you to borrow up to $10,000.
  • Typically, you can access between 25% to 50% of your vehicle's value.
  • Managing your title loan responsibly is essential to avoid potential financial pitfalls.
  • Hawaii has clear state regulations designed to safeguard borrowers from unfair lending practices.

Understanding Hawaii Title Loans

Title loans, often referred to as auto title loans or online car title loans, involve using your vehicle as collateral to secure the loan. In Hawaii, you can borrow up to $10,000 with this type of loan.

These loans are particularly appealing in Hawaii for individuals with poor credit scores.

Unlike traditional loans that heavily weigh your credit history, title loans in Hawaii focus more on the value of your car and your income to determine the loan amount you qualify for.

One of the significant advantages of Hawaii car title loans is that you can continue using your vehicle while repaying the loan. This feature makes it a convenient option for those who rely on their car for daily activities.

What Do I Need To Get a Title Loan in Hawaii?

  • A valid driver's license
  • Proof of income
  • The title to the vehicle used as collateral.

Rainbow Falls, Hilo, Hawaii

Benefits of Choosing Car Title Loans

Car title loans offer several advantages that make them an attractive choice for many borrowers in Hawaii. These benefits include:

Fast Money

One of the primary benefits of auto title loans is the speed at which you can access funds. If you agree to the loan terms before 2:00 pm, you'll have cash in your hands within 5 hours. This makes car title loans an excellent option for those who need immediate financial assistance to cover unexpected expenses or emergencies.

Easy Process

Applying for a title loan in Hawaii is a straightforward process. You can apply online or by phone anytime, 24/7. This convenience allows you to apply for a loan at your leisure, without the need to visit a physical location or adhere to traditional banking hours.

Poor Credit Accepted

Title loans are designed for people with bad credit. Unlike traditional loans that require a good credit score, car title loans primarily focus on the value of your vehicle and your income. This makes title loans a viable option for those who may not qualify for other types of loans due to poor credit history.

Keep Your Car

Another advantage of choosing a title loan in Hawaii is that you can continue driving your car while you pay back the loan. This means you won't have to sacrifice your mobility or lifestyle while managing your loan repayments. However, it's crucial to make timely payments to avoid the risk of losing your vehicle.

Applying for an Online Title Loan

The process of requesting an online title loan with Montana Capital Car Title Loans is straightforward and convenient.

Here's how it works:

  1. Online Request: Start by filling out an online form, where you'll provide personal information and details about your vehicle, including its make, model, year, and mileage.
  2. Submit Documentation: You can easily submit images of your car for evaluation. Just take a photo or create a video of your vehicle and send it online – no need to wait in long lines or visit a store.
  3. Remote Assessment: The title loan lender will remotely assess your request, considering your car's value, equity, credit history, and confirming your income.
  4. Online Approval: If your application meets the requirements, you'll receive loan approval. The loan amount, based on your car's value and income, will be communicated to you.
  5. Receive Funds: Choose your preferred method to receive the loan – either through direct deposit to your bank account, branch pickup, or MoneyGram at Walmart.

This hassle-free online process makes getting a title loan in Hawaii more convenient and accessible.

Title Loan Requirements in Hawaii

To apply for a title loan in Hawaii, you must meet certain requirements:

  • Age: You must be at least 18 years old.
  • Vehicle Ownership: You must own a car and have its title in your name.
  • Income: You need to have a regular source of income.
  • Residency: You must be a resident of Hawaii.
  • Insurance: Your vehicle must be insured.
  • Vehicle Inspection: Your car must pass an inspection to assess its value.

Remember, each lender may have additional specific requirements, but these are the general prerequisites to apply for a title loan in Hawaii.

Overview of State Regulations and Laws Governing Title Loans in Hawaii

When it comes to car title loans in Hawaii, it's important to understand the legal framework that governs these types of loans. The state has specific regulations outlined in its statutes to protect borrowers from unfair practices. 

In Hawaii, title loan lenders must comply with the State Revised Statutes (HRS) Chapter 478, which sets forth rules and guidelines for lending institutions.

According to HRS Chapter 478, title loan lenders are required to obtain a license from the Department of Commerce and Consumer Affairs (DCCA) to operate legally in the state. These licenses ensure that lenders follow certain standards and regulations designed to safeguard consumers' interests.

Key Provisions and Borrower Protections

Provisions and ProtectionsDetails
Maximum Loan AmountLimited to $10,000 or 50% of the fair market value of the vehicle used as collateral.
Interest Rate CapLenders cannot charge an annual percentage rate (APR) greater than 24%.
Disclosure RequirementsLenders must clearly disclose all terms and conditions before the loan agreement, including: Interest rates, repayment terms, fees, penalties for late payments or defaults, and any other relevant loan details
Borrower EducationBorrowers are encouraged to understand these provisions and protections to make informed decisions.
Choosing a Reputable LenderIt's essential for borrowers to select a lender who complies with Hawaii's regulations and provides transparent information throughout the borrowing process.

Understanding these key provisions and borrower protections is crucial for anyone considering a car title loan in Hawaii to ensure they are not taken advantage of by predatory lending practices.

Can I Get a Title Loan With a Low FICO Score?

Yes, even if your FICO score is low, you can still get a title loan. 

Why? Because in title loans, your vehicle serves as collateral. This means your car acts as a guarantee for the loan. If you can't repay it, the lender could take your car, so they don't worry as much about your credit score.

What Determines Your Title Loan Amount?

  • Your ability to repay: The lender will assess your income, including sources like Social Security, investments, or disability income, to ensure you can comfortably repay the loan.
  • Your car's value: The market value of your paid-off vehicle, factoring in its condition, make, model, mileage, and any additional features, plays a crucial role.
  • Credit score: While the lender will consider your credit score and history, your ability to repay remains the primary focus in determining your loan amount.

Waikiki Beach, Honolulu

Title Loan Alternatives in Hawaii

While title loans can provide rapid financial relief, considering alternative options before committing to a loan is advisable. In Hawaii, there are several alternatives to car title loans, such as personal loans and peer-to-peer lending. 

Personal Loans

A personal loan is usually unsecured. This means you don't need to offer collateral. However, because there's no security, these loans often have higher interest rates. This is especially true if you have a low credit score.

You can use personal loans for various purposes. These purposes include debt consolidation, home improvement, or medical expenses. They are typically offered by banks, credit unions, and online lenders.

If you have a bad credit history, getting approval for a personal loan might be challenging. This is because lenders see you as a higher-risk borrower.

Peer-to-Peer Lending

Peer-to-peer lending, or P2P lending, involves regular people lending money to others online. Here's how it works:

  1. Borrowers request loans.
  2. Individuals can choose to lend money.
  3. A website manages loan repayments.
  4. The website then distributes repayments to lenders.

P2P lending websites differ from banks. They consider more than just credit scores, which can benefit those with bad credit. However, keep in mind that interest rates may still be high. The upside is that P2P loans often offer more flexible repayment options, making it easier on your budget.

What Can Funding From a Title Loan Be Used for?

When unexpected expenses surprise you, having quick access to funds can be a lifesaver. Not everyone has a substantial savings buffer, which can lead to stress during urgent financial situations. 

If you live in Hawaii, exploring the option of an auto title loan could provide a speedy solution.

Here are instances where having extra funds can be beneficial:

  • Paying Rent
  • Handling Medical Bills
  • Meeting Utility Payments
  • Managing Debt Consolidation
  • Initiating Home Improvement Projects
  • Covering Veterinary Expenses

Lender Tip:

We strongly recommend using title loans primarily for emergencies due to their high interest rates and fees. Careful consideration of your financial situation and responsible borrowing are essential.

Tips for Successfully Managing Your Title Loan

Managing your title loan responsibly can help you avoid potential financial pitfalls. Here are some crucial tips:

  • Make Timely Payments: Pay on time to avoid extra fees and show lenders you're responsible.
  • Stay in Touch with Your Lender: If you face payment problems, communicate with your lender.
  • Budget Wisely: Keep track of your finances to ensure you can cover loan payments and to avoid falling into a debt trap.
  • Explore Alternatives: Think about other options, like personal loans or help from loved ones, before choosing a title loan.

Frequently Asked Questions

What’s The Biggest Loan You Can Get With a Car Title Loan in Hawaii?

In Hawaii, the maximum car title loan is usually limited to either $10,000 or 50% of your vehicle's fair market value, whichever is lower.

Use our user-friendly online title loan calculator to quickly determine your loan amount.

With our online title loans calculator, you can eliminate the need for guesswork when estimating your potential loan costs and repayment time frame.

Can I Receive a Title Loan Without Proof of Employment?

Yes, you can receive a car title loan without proof of employment! 

When it comes to confirming your income, a key factor for loan approval, there are certain documents that are universally recognized and commonly accepted.

If you're not employed, the proof of your capacity to repay a title loan might differ, but it could involve bank statements or other supporting documents.

How Quickly Can I Get Approved For a Title Loan in Hawaii?

The pre approval process for a title loan in Hawaii is typically very fast, often within minutes. Most borrowers can receive their funds within 24 hours or even on the same day.

How Do I Get a Duplicate Title For My Car in Hawaii?

Obtaining a duplicate car title in Hawaii is a straightforward process. If you've misplaced your title or it's been damaged, you can apply for a duplicate through the Hawaii Department of Motor Vehicles (DMV).

What is The Difference Between Title Loan and Personal Loan?

For borrowers with bad credit, it's crucial to grasp the distinction between title loans and personal loans:

Title Loan: This secured loan uses your vehicle as collateral, leading to lower interest rates as lenders have less risk due to the collateral.

Personal Loan: Typically unsecured, these loans involve higher interest rates and fees for borrowers with bad credit, as lenders view them as riskier without collateral.


In Hawaii, obtaining a car title loan from online lenders located outside of the state is legally allowed, even though the state has its own regulations in place.

Before considering such a loan, it's essential to carefully explore all available borrowing options. This is especially critical because these loans often carry higher interest rates and should primarily be used for unforeseen financial emergencies.

If you have questions or concerns and need assistance, please don't hesitate to contact us. 

We're available for support and can address your inquiries through online communication or over the phone at 800-700-8900.

Shir Amram

Written by

Shir Amram

Shir Amram is a senior loan officer at Montana Capital Car Title Loans. With over 10 years of experience in the finance industry, Shir has been an asset in her role and has contributed significantly to our company's success, Shir’s academic background in economics and financial knowledge helps us fulfill our education mission as she creates a valuable content to our blog. 

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