HI · LOAN-AGMT · Updated July 2026 · Free
Hawaii Loan Agreement
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Hawaii at a glance: Usury Cap (Consumer): 12% per year (Haw. Rev. Stat. § 478-2) · Governing Law: Hawaii Revised Statutes Title 26
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Overview
Loan Agreements in Hawaii
Hawaii caps interest rates on consumer loans at 12% per year under Hawaii Revised Statutes Section 478-2.
Key Facts
Hawaii Loan Agreement — Quick Reference
| Requirement | Hawaii Rule |
|---|---|
| Usury Cap (Consumer) | 12% per year (Haw. Rev. Stat. § 478-2) |
| Governing Law | Hawaii Revised Statutes Title 26 |
Legal Requirements
Hawaii Legal Requirements
- Consumer loan interest rates must not exceed 12% per annum.
Governing Laws
Hawaii Governing Laws
Read the full text of these laws at Cornell Law School's Hawaii legal resources or your state legislature's official website.
Questions & Answers
Hawaii Loan Agreement — Frequently Asked Questions
Are business loans exempt from Hawaii's 12% cap?
Yes, commercial transactions are exempt.