Car Title Loans in Hawaii2026 Guide
Hawaii does not permit title lending.
Legal Status & Regulations
Governing Law
HI Rev. Stat. § 480E
Last Reviewed: April 2026
Law Summary
Hawaii prohibits title lending through strict consumer protection laws (HI Rev. Stat. § 480E). The state does not allow vehicle titles to be used as collateral for high-interest, short-term loans. Lenders are prohibited from engaging in practices that lead to "debt traps," and the state's interest rate caps for small loans effectively prevent the title loan industry from operating within the islands.
Real Rate Example in Hawaii
A $1,500 loan in Hawaii at a typical market rate of APR over 30 days would result in approximately $150 in interest and fees. Always compare multiple offers to find the most competitive rate.
What Documents You Need
- A clear vehicle title in your name
- A valid government-issued ID (Driver's License)
- Proof of residency (Utility bill, etc.)
- Proof of income or ability to repay
- The vehicle itself for a quick inspection
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Max Loan Amount
N/A
Max APR / Rate
N/A
Loan Term Range
Varies
Governing Body
HI Division of Financial Institutions