Personal loans in New Hampshire
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
New Hampshire personal loan rules at a glance
| Governing law | RSA 399-A, Regulation of Small Loans, Title Loans, and Payday Loans. (RSA 399-A:16) |
|---|---|
| Rate cap | APR may not exceed 36%. For this calculation only, one application fee and one participation or membership fee (each up to $100 per borrower per year) are left out. (RSA 399-A:16, I) |
| License required | 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. (RSA 399-A:2, I; 399-A:23, VII) |
| Loan sizes covered | Small loans are title, payday, open-end or closed-end personal loans of $10,000 or less with an APR of 10% or more. Total small-loan principal owed to one lender may not exceed $10,000. (RSA 399-A:1, XX; 399-A:16, III) |
| Origination / other fees | One application fee of up to $100 per borrower per year is allowed and does not count toward the 36% cap. Brokerage, service and similar fees are generally barred. (RSA 399-A:16, I-II; 399-A:15, XI) |
Bad credit loans in New Hampshire
Bad credit doesn't automatically rule you out in New Hampshire. Many lenders in our network look at your income and bank activity, not just your score, and offer personal installment loans of $500 to $5,000 to borrowers with fair or poor credit. Rates are higher than prime offers, so compare the monthly payment and total cost before you accept. More on bad-credit loans.
Estimate your monthly payment
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Rate cap |
|---|---|
| Maine | Tiered: 30% to $2,000, 24% to $4,000, 18% above; 18% if over $8,000. |
| Massachusetts | 23% APR plus $20 fee on loans up to $6,000; 20% usury above. |
| Vermont | 24% on first $1,000, 12% above (or 18% APR if higher). |
Personal Loans by city in New Hampshire
Counties in New Hampshire
Show all 10 counties
Also see: Payday Loans in New Hampshire · Title Loans in New Hampshire · All New Hampshire loan options
Frequently asked questions
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.
Can I get a personal loan with bad credit in New Hampshire?
Yes, some lenders in our network work with fair or bad credit, but approval is not guaranteed and rates are higher. Licensed lenders in New Hampshire must follow the state's consumer-lending rules shown above; tribal and bank-partner lenders may follow different rules, so compare the APR on every offer.
Where can I find a loan for bad credit in New Hampshire?
You can apply at local banks and lenders in New Hampshire, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
What credit score do I need for a personal loan in New Hampshire?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in New Hampshire with our free 3-minute form.
Can I get a personal loan in New Hampshire with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. New Hampshire residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How do installment loans work in New Hampshire?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. New Hampshire residents can see installment loan offers with our free 3-minute form.