Compare 5 credit repair companies, personal lenders, and financial services in Honolulu, Hawaii. All independently reviewed with BBB ratings and pricing.
Hawaii's oldest non-profit law firm providing free civil legal assistance to low-income individuals since 1950, with statewide offices and phone intake services.
Best for: Low-income individuals facing eviction or landlord-tenant disputes, Elderly persons needing civil legal assistance on fixed incomes
Nonprofit credit counseling organization offering debt management plans, bankruptcy counseling, and financial education to help consumers reduce debt faster.
Best for: Consumers with $20,000+ in high-interest credit card debt seeking nonprofit guidance, Individuals considering bankruptcy who want to explore alternative debt management options first
NACA offers character-based mortgages with no down payment, no closing costs, and below-market fixed rates. A non-profit that has helped 500K+ homeowners despite credit challenges.
Best for: Low-to-moderate income borrowers with credit challenges or no credit history seeking first-time homeownership, Communities of color and marginalized populations seeking to build generational wealth through homeownership
American Savings Bank is a Hawaii-based national bank offering personal and business banking, mortgages, loans, credit cards, and investment services through branches, online, and mobile platforms.
Best for: Hawaii residents seeking local banking with community-focused rewards and merchant discounts, Small business owners and commercial entities operating in Hawaii requiring business banking services
Bank of Hawaii is a 125-year-old regional bank serving Hawaii, Guam, and Saipan with FDIC-insured deposits, checking/savings accounts, credit cards, and investment services.
Best for: Hawaii, Guam, and Saipan residents seeking comprehensive local banking with community relationship focus, Homeowners looking for residential lending products and HELOCs with a local Hawaii lender
American Savings Bank is a Hawaii-based national bank offering personal and business banking, mortgages, loans, credit cards, and investment services through branches, online, and mobile platforms.
Best for: Hawaii residents seeking local banking with community-focused rewards and merchant discounts, Small business owners and commercial entities operating in Hawaii requiring business banking services
Bank of Hawaii is a 125-year-old regional bank serving Hawaii, Guam, and Saipan with FDIC-insured deposits, checking/savings accounts, credit cards, and investment services.
Best for: Hawaii, Guam, and Saipan residents seeking comprehensive local banking with community relationship focus, Homeowners looking for residential lending products and HELOCs with a local Hawaii lender
Hawaii's oldest non-profit law firm providing free civil legal assistance to low-income individuals since 1950, with statewide offices and phone intake services.
Best for: Low-income individuals facing eviction or landlord-tenant disputes, Elderly persons needing civil legal assistance on fixed incomes
Nonprofit credit counseling organization offering debt management plans, bankruptcy counseling, and financial education to help consumers reduce debt faster.
Best for: Consumers with $20,000+ in high-interest credit card debt seeking nonprofit guidance, Individuals considering bankruptcy who want to explore alternative debt management options first
NACA offers character-based mortgages with no down payment, no closing costs, and below-market fixed rates. A non-profit that has helped 500K+ homeowners despite credit challenges.
Best for: Low-to-moderate income borrowers with credit challenges or no credit history seeking first-time homeownership, Communities of color and marginalized populations seeking to build generational wealth through homeownership
Hawaii Consumer Protections: Hawaii permits payday lending with a $600 cap and 15% fee limit. Rollovers are prohibited and borrowers are limited to one loan per lender at a time. Consumers can file complaints with the Division of Financial Institutions or the Office of Consumer Protection.
Interest Rate Cap: Hawaii usury cap: 12% for consumer loans; payday loans capped at $600 with 15% fee.
Federal protections: The FCRA gives you the right to dispute inaccurate credit report information for free. Credit repair companies cannot charge before performing services (Credit Repair Organizations Act).
Free resources: Get a free credit report annually at AnnualCreditReport.com. File complaints with Hawaii Attorney General Office of Consumer Protection.
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