HRS §478-6
Penalty for charging too much interest
Read the official text at capitol.hawaii.gov ↗This law says that charging interest or finance charges above the legal limit is usury. A person who does this can be fined up to $250, imprisoned for up to one year, or both, unless a bigger penalty is allowed by law.
creditors
The statute, as written — Usury; penalty
A copy, taken August 20, 2026. The version published by the Legislature is the one that governs, and it may have changed since. Check it before relying on anything here.
Any person who directly or indirectly receives any interest or finance charge at a rate greater than that permitted by law or who, by any method or device whatsoever, receives or arranges for the receipt of interest or finance charge at a greater rate than that permitted by law on any credit transaction shall be guilty of usury and shall be fined not more than $250, unless a greater amount is allowed by law, or imprisoned not more than one year, or both.
LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.