HI · PROM-NOTE · Updated July 2026 · Free
Hawaii Promissory Note
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Hawaii at a glance: Usury Limit: 10% per year · Governing Law: Haw. Rev. Stat. § 478-2
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Overview
Promissory Notes in Hawaii
Hawaii usury laws restrict interest to a maximum of 10% per year for personal or consumer loans, unless a written agreement states otherwise.
Key Facts
Hawaii Promissory Note — Quick Reference
| Requirement | Hawaii Rule |
|---|---|
| Usury Limit | 10% per year |
| Governing Law | Haw. Rev. Stat. § 478-2 |
Legal Requirements
Hawaii Legal Requirements
- Consumer loans must stay below the 10% statutory limit.
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 Promissory Note — Frequently Asked Questions
What is the usury cap in Hawaii?
The cap is 10% per year for personal loans.