HRS §480J-31
License needed to make installment loans
Read the official text at capitol.hawaii.gov ↗You must have a license from the state commissioner to work as an installment lender in Hawaii, unless you are exempt. If you make a loan without a license, the loan is void and you cannot collect any money from it.
The statute, as written — License required
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.
(a) No person, except those exempt under this chapter, shall act as an installment lender in this State unless licensed to do so by the commissioner. (b) Any loan made in violation of this section is void, and no person shall have the right to collect, receive, or retain any principal, interest, fees, or other charges in connection with the loan.
LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.