Hilo Loan Shop Inc. in Hilo, Hawaii.
(808) 934-0844
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4 pawn shops in Hilo, plus more in nearby Hawaii cities. Compare ratings, call ahead, and walk in prepared — here's what a Hilo pawn visit typically looks like, and what Hawaii law says about the deal.
Hilo Loan Shop Inc. in Hilo, Hawaii.
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Pooled US averages for how much local pawn shops typically lend by category. Your actual offer depends on condition, brand, documentation, and current demand.
Under Hawaii law, the statutory maximum finance charge is 20% per month and the minimum redemption period is 30 days. Your offer on any item is typically 20–35% of resale for a pawn loan, or 30–50% of resale for an outright sale. Shops in Hilo quote offers based on their own resale market — always get two or three offers before accepting.
What every borrower should know before signing a pawn ticket in HI.
Rates shown are statutory caps — actual offers and fees vary by shop. Confirm the current rules with the regulator and always read the pawn ticket before signing. Full Hawaii state page →
PawnGuru lists 4 pawn shops inside Hilo, HI, plus more in surrounding cities. Use the map or phone link on any shop page to route to the closest location. Always call ahead — posted hours change, especially on holidays.
Most shops in Hilo lend 20–35% of an item's realistic resale value for a pawn loan, and 30–50% for an outright sale. Under Hawaii law, the maximum finance charge is 20% per month and the minimum redemption period is 30 days.
Bring (1) a valid government-issued photo ID (required by Hawaii law and federal anti-theft rules), (2) the item in working, presentable condition, and (3) any proof of ownership — original receipts, titles, or certificates of authenticity. Most shops also require you to be 18 or older.
In Hilo and across Hawaii, the most commonly pawned items are gold jewelry, diamond rings, luxury watches, smartphones and laptops, power tools (DeWalt/Milwaukee), musical instruments, firearms (FFL shops only), designer handbags, and coins or bullion.
Yes. You have at least 30 days under Hawaii law to redeem by paying the loan principal plus accrued interest and fees. If you don't, the shop keeps and resells the item — the loan is non-recourse, so it doesn't affect your credit.
Hawaii Department of Commerce & Consumer Affairs. Rules vary by state — always verify the current statutory cap, fees, and redemption period directly with the regulator or the individual shop.