Personal Loans in Hawaii
SET Financial is a loan matching service, not a lender. We connect Hawaii residents with third-party lenders who make all credit decisions.
Get StartedSET Financial is a lead-connection service for new loan requests, not the lender. Not everyone who applies will be matched or approved.
Connecting Hawaii Residents with Lenders
SET Financial is not a lender and does not make loans in Hawaii. We are a free matching service that connects Hawaii residents with a network of third-party lenders, including options for people with bad credit or thin credit files. Every lender makes its own approval decision and sets all rates, fees, and terms.
An installment loan gives you a set amount of money up front that you repay in fixed, scheduled payments over time, rather than all at once. Hawaii residents often use installment and personal loans for things like car repairs, medical bills, moving costs, consolidating higher cost debt, home or appliance expenses, or covering a gap during seasonal or tourism related income swings. Because payments are predictable, many borrowers find them easier to budget than open ended credit.
How It Works
- ✓ Share a few details about what you're looking for
- ✓ We connect you with lenders in our network
- ✓ The lender reviews your request and any offer
- ✓ You decide whether to move forward with the lender
- ✓ SET Financial is never a party to your loan
Who the Network Works With in Hawaii
Bad credit
Some lenders in our network review more than a credit score. Being matched is never a guarantee of approval, and the lender sets all rates and terms.
Thin or no credit
If you have little or no credit history, certain lenders may still consider your request by weighing income and banking activity. Approval and terms are decided solely by the lender.
Self-employed or 1099 income
Freelancers, gig workers, and 1099 earners in Hawaii can request a match. Lenders may ask for bank statements or other proof of income and set terms on a case by case basis.
Fixed income
If you receive Social Security, disability, retirement, or other fixed income, some lenders may still consider your request. The lender alone decides approval and repayment terms.
Hawaii Rates and Your Protections
In Hawaii, consumer lenders are overseen by the Department of Commerce and Consumer Affairs through its Division of Financial Institutions (DFI). Under Act 56 (2021), effective January 1, 2022, Hawaii replaced its old payday loan framework with a licensed installment lender system under Hawaii Revised Statutes Chapter 480J, and small dollar installment loans made under that law are capped at 36 percent APR. A loan made without a required license is void. SET Financial does not set rates or terms. Your actual APR, fees, and repayment schedule are set by the third party lender and depend on the loan type, the lender, and your qualifications.
Before you sign, confirm the lender is properly licensed to lend in Hawaii through the DFI, and read your loan agreement so you know the exact APR, fees, and total cost.
Regulator: Hawaii Department of Commerce and Consumer Affairs, Division of Financial Institutions (DFI).
Serving Borrowers Across Hawaii
The lender network works with residents statewide, including:
Honolulu · East Honolulu · Pearl City · Hilo · Kailua · Waipahu · Kaneohe · Mililani
Common questions
Quick answers. For more, see our full FAQ page.
Does SET Financial lend money in Hawaii?
No. SET Financial is not a lender and is not licensed to lend in Hawaii. We are a free matching service that connects Hawaii residents with third party lenders who make all credit decisions and set all rates and terms.
Who regulates installment and consumer lenders in Hawaii?
Consumer lenders in Hawaii are overseen by the Department of Commerce and Consumer Affairs through its Division of Financial Institutions (DFI). Installment lenders are licensed under Hawaii Revised Statutes Chapter 480J.
What is the maximum APR on a Hawaii installment loan?
Under Act 56 of 2021, effective January 1, 2022, small dollar installment loans made under Chapter 480J are capped at 36 percent APR. Other loan types may follow different rules, so always confirm your APR on the agreement.
Can I get matched with bad credit in Hawaii?
You can request a match with less than perfect credit. Some lenders look beyond a credit score, but being matched is never a guarantee of approval. The lender alone decides.
How do I know if a Hawaii lender is legitimate?
Confirm the lender is properly licensed to lend in Hawaii through the DFI, and review your loan agreement for the exact APR, fees, and total cost before you sign. In Hawaii, a loan made without a required license is void.