? Can You Still Get Title Loans in Hawaii?
Do you need fast cash? As a resident of Hawaii, you’re allowed to apply for a loan against your car and receive a percentage of its value if you qualify! Your car’s title could be the key to unlocking emergency funds in as little as 24 hours.1 Title loans in Hawaii are secured loans, and the credit requirements are less strict because you’re using your car’s title as collateral for the loan.
As long as you can meet the lender’s requirements, you can apply for a title loan as a resident of Honolulu, Pearl City, or another town on the island of Oahu! Use ChoiceCash’s online title loan calculator to learn more about your car’s value and get a fast loan quote with zero obligation. If you qualify for funding, you can access competitive interest rates, flexible loan terms, and other perks!
Is it Hard to Get Approved for a Car Title Loan in Hawaii?
Hawaii is a thriving island state with over 1 million registered vehicles. If you are a resident of Oahu and you have a paid-off car or your car is almost paid off, you can use it as collateral for a title loan! It is not hard to get approved for a car title loan, but you will need to meet a few requirements and provide several documents during your loan request. Typically, the requirements for title loans in Hawaii include the following:1
- Be of Legal Age to Apply for a Hawaii Car Title Loan
- Submit the Right Documents, Including Proof of Income
- Have a Title to a Qualifying Car or Truck in Your Name
There are a few different ways to prove your income during the application process. Generally, most borrowers in Hawaii will submit recent pay stubs or bank statements, but other documents, like benefits letters, can also be accepted. In addition to having proof of income and a car title in your name, you will need the following paperwork when applying for a vehicle-secured loan:
- Pictures of Your Car’s Interior, Exterior, VIN, and Odometer Reading
- Hawaii Driver’s License or Another Valid, Government-Issued Photo ID
- Proof of Residence in Oahu Through Utility Bills, Credit Card Offers from a Provider, or Phone Bills
When applying for a ChoiceCash car title loan in Hawaii, you can easily upload all of your paperwork and car photos online through the document portal! Feel free to send your documents to a loan officer via email or text message if that is more convenient. Applying for the best title loans in Hawaii can be a breeze if you start your application online or over the phone!
What is the Minimum Credit Score for a Personal Loan Secured With a Car Title?
The minimum credit score required to get approved for a vehicle-secured personal loan typically depends on the lender you decide to work with, as title lenders may have different credit requirements. You might even be able to find car title lenders in Hawaii that do not have any minimum credit score requirements. Generally, you don’t need a good credit score to qualify for a loan against your car! Title loans can be flexible and convenient, even if you have bad credit.1
How Much Can I Borrow With the Best Title Loan in Hawaii?
If you currently live paycheck to paycheck in a state with a high cost of living like Hawaii, one unexpected expense can easily throw off your finances. When you need a specific amount of funding to deal with bills, you might be wondering how much you can get through a car title loan in Hawaii. Your car’s value and your income are the main factors used by title lenders to determine your total title loan amount. The greater the value of your car, the higher your loan amount can be as long as you submit sufficient proof of income during your application.1
Your car’s value is determined by a few different characteristics, including its age, overall condition, mileage, make, model, and style. Keep in mind that you don’t need a newer car to qualify for a title loan! You can borrow against the value of a Honda Civic, Ford Focus, or any other eligible vehicle with enough positive equity. If you qualify for a ChoiceCash title loan serviced by LoanMart, you can get up to $15,000 in as little as 24 hours!1
Benefits of ChoiceCash title loans in Hawaii
On top of fast access to cash in as little as one business day, you can expect a few different perks if you are eligible for a ChoiceCash title loan in Hawaii serviced by LoanMart:1
- Simple Online Application With No Store Visit
- Bad Credit and Past Bankruptcy is Not an Issue
- Keep Driving Your Car While You Pay Off the Loan
- No Bank Account is Required to Apply
In addition to these perks, if you are eligible for a ChoiceCash title loan as a resident of Oahu, you can access a few convenient ways to receive your cash – along with flexible repayment options! Ready to apply for the emergency funding you need to get your finances back on track? Complete a prequalification form online now and see if you qualify for instant pre-approval!
Where to Apply for Completely Online Title Loans in Hawaii with No Credit Check
If you’re experiencing financial issues, you may not feel confident about your credit score. While it is possible to get a car title loan completely online, skipping a credit check during your application may not be possible. Credit checks help title lenders review your financial history, including your payment behavior.
It is possible to get vehicle-secured personal loans with bad credit, so a credit check doesn’t have to hold you back if you need emergency cash! Even if you have poor credit, you can use your car’s title to unlock funding through title loans in Hawaii. Best of all, you can apply from the comfort of your home, and no store visit is required to start your application! Some of the best title loans in Hawaii can be found online because applying for a loan online is typically faster and more convenient than applying for a loan in person. If you’re ready to apply online or over the phone, just follow these simple steps to start your application for a ChoiceCash auto title loan in Hawaii:1
- Submit a Pre-approval Form Online or Call 855-422-7402
- If Prequalified, Submit Paperwork to Verify Your Information
- Get Your Funds in as Little as One Business Day if You Qualify!
How Can I Make Payments on a Hawaii Car Title Loan?
If you are eligible for a ChoiceCash title loan in Hawaii, making payments on your loan can be simple and convenient! Below are your options to pay back your title loan proceeds:
- Pay Over the Phone
- Pay Through the Customer Portal
- Set Up Automatic Payments from a Bank Account
- Pay in Person at a Participating Money Transfer Location in Hawaii
If you have any questions about vehicle-secured loans with your car title, feel free to visit our FAQ page or dial 855-422-7402 to reach a loan officer!
For the sake of convenience for Hawaii customers, below is a map and list of just a few locations in the area, with many more statewide locations found here.
Demographic and Financial Statistics for Hawaii
The below table provides some of the key income, loan, and financial statistics for Hawaii, which are intended to give you a better understanding of how your financial circumstances compare to other Hawaii residents. With this information in hand, we hope you gain a better idea of your financial options so you can decide if completing a title loan application is the right decision for you:
| Average credit score (VantageScore®) | 719 |
| Average FICO® score | 732 |
| Average student loan debt | $38,118 |
| Average credit card debt | $7,107 |
| Average monthly car loan payment | $658 |
| Share of households that rent | 37.6% |
| Average rent | $2,668 |
| Median gross rent | $1,868 |
| Median value of owner-occupied housing units | $808,200 |
| Median monthly owner costs - with a mortgage | $2,863 |
| Median monthly owner costs | $660 |
| Number of bank branches | 141 |
| Median household income | $84,857 |
| Per capita income | $62,564 |
What Locations in Hawaii Can I Get a ChoiceCash Title Loan in?
ChoiceCash is proud to service residents all over Hawaii including metro areas . Call 855-422-7402 to discuss your options with a loan expert. If you are looking to pay back your title loan in person, check out the city list below to see where your MoneyGram locations near Title Loans Hawaii:
