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HILast updated: 2026-01
Hawaii Regulations
Comprehensive guide to seller financing laws, usury limits, and disclosure requirements in Hawaii.
Maximum Interest Rate
12%
Business exemptions may apply
Usury Laws
Interest rate limits and penalties
Maximum Rate
12%
Penalty Type
Forfeiture of interest
Notes
General usury limit is 12%. Higher rates allowed for certain lender types.
Business Exemption
Business loans and loans over certain amounts may be exempt.
Seller Financing Requirements
Disclosures, licensing, and restrictions
Required Disclosures
- Seller's Real Property Disclosure Statement
- Lead-based paint disclosure (pre-1978)
- Hurricane shelter info
Licensing Required
No license required
No license required for seller financing own property.
Consumer Protection
Applicable laws protecting buyers
- Hawaii Consumer Protection Act (HRS Chapter 480)
Real Estate Specifics
Foreclosure process and property laws
- Mortgage state (judicial foreclosure)
- Non-judicial foreclosure also allowed
- 1-year redemption period
Legal Disclaimer
This information about Hawaii regulations is provided for educational purposes only and does not constitute legal or tax advice. Laws change frequently and vary by county and municipality. Always verify current regulations with a licensed Hawaii attorney before entering into any seller financing arrangement.