Loans in New Hampshire: payday, personal & title loan laws (2026)

In New Hampshire, payday loans are not allowed, car title loans are legal, and personal installment loans are available from licensed lenders. Below are the verified rules, local lenders and credit unions for all 10 counties and 15 cities with 10,000+ residents.

Request a personal loan in New Hampshire

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1 Choose an amount and fill out the form
2 Get matched with a lender in our network
3 Review your offer and get funded, often next business day

Tip: apply on a weekday morning for the best chance of funding by the next business day.

No hard credit inquiry on our end; lenders may check your credit. Not a lender; approval, amount and terms come from the lender. Example: $1,000 over 12 months at 35.99% APR ≈ $100.46/month.

Payday Loans Not available

New Hampshire licenses payday lenders under RSA 399-A, but the APR is capped at 36% and interest is the only charge allowed, which makes the usual fee-based payday loan unworkable.

Personal Loans

36% APR cap on small loans up to $10,000, excluding two $100 yearly fees.

Title Loans Legal

Title loans are legal in New Hampshire from licensed lenders.

New Hampshire at a glance

1,394,868

Residents

$99,031

Median household income

384

FDIC bank branches

121

Credit-union branches

Counties in New Hampshire

Belknap County Carroll County Cheshire County Coos County Grafton County Hillsborough County Merrimack County Rockingham County Strafford County Sullivan County

Cities in New Hampshire

Manchester Nashua Concord Dover Rochester Keene Portsmouth Derry Laconia Lebanon Claremont Londonderry Somersworth Durham Hampton

Frequently asked questions

Are payday loans legal in New Hampshire?

New Hampshire licenses payday lenders under RSA 399-A, but the APR is capped at 36% and interest is the only charge allowed, which makes the usual fee-based payday loan unworkable.

How much can you borrow with a payday loan in New Hampshire?

A borrower may not owe a lender more than $500 in payday loan principal at one time.

How much do payday loans cost in New Hampshire?

APR may not exceed 36%, and interest is the only charge allowed, with no other fees.

Are title loans legal in New Hampshire?

Title loans are legal in New Hampshire from licensed lenders. Interest is capped at 25% per month, with a one-month term and up to nine renewals.

What interest can title lenders charge in New Hampshire?

Interest may not exceed 25% per month.

Is there a cap on personal loan interest rates in New Hampshire?

36% APR cap on small loans up to $10,000, excluding two $100 yearly fees.

Do personal loan lenders need a license in New Hampshire?

No one may be in the business of a small loan lender in New Hampshire, or with New Hampshire consumers, without a license. Unlicensed loans are void.