Car title loans in New Hampshire
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
New Hampshire title loan rules at a glance
| Governing law | RSA 399-A, title loan provisions. A title loan is secured by a car title, runs 60 days or less, and is repaid in a single payment. (RSA 399-A:1, XXI; 399-A:18; 399-A:19) |
|---|---|
| Rate / fee cap | Interest may not exceed 25% per month. (RSA 399-A:18, I(f)) |
| Maximum term | The original term may be no more than one month. (RSA 399-A:19, I) |
| Renewals | Up to 9 renewals, each for the original term. At each renewal the borrower must pay at least 10% of the original principal plus the finance charge; unpaid interest cannot be added to principal. (RSA 399-A:19, II-IV) |
Title loans online in New Hampshire
You can start a New Hampshire title loan online: fill out the short form, then the lender values your vehicle from its details and photos or a quick inspection. You keep driving your car while you repay, and the lien is released when the loan is paid off. How online title loans work.
Estimate a title loan
Title loan calculator
Many title lenders lend 25%–50% of a vehicle's value, and you keep driving your car. Estimate only; your lender shows exact terms.
Credit services / credit access businesses
RSA 399-A applies to schemes that try to avoid it, including using an exempt entity as a purported agent when the arranger has the main economic interest. (RSA 399-A:2, III)
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Maine | Not available | — |
| Massachusetts | Not available | — |
| Vermont | Not available | — |
Title Loans by city in New Hampshire
Counties in New Hampshire
Show all 10 counties
Also see: Payday Loans in New Hampshire · Personal Loans in New Hampshire · All New Hampshire loan options
Frequently asked questions
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.
How much can I get for a title loan in New Hampshire?
The amount depends mainly on your vehicle's value, along with your income and New Hampshire rules. Lenders typically offer a portion of what your car is worth, so newer vehicles with lower mileage usually qualify for more. You'll see the exact amount and terms before signing. Enter your vehicle's details on our form to see what lenders may offer. It takes about 3 minutes.
Can I get a title loan on a financed car in New Hampshire?
Sometimes. If you still owe money on your car, some lenders may approve a title loan based on your equity, meaning the car's value minus what you owe. Others require a title that's fully paid off and in your name. Because policies vary, enter your vehicle and current loan details on our form, and lenders serving New Hampshire will tell you what they can offer.
What do I need for a title loan in New Hampshire?
Most lenders ask for a vehicle title in your name, ideally free of other liens, a valid government-issued ID, proof of income, proof of residence in New Hampshire, and the vehicle itself for photos or a quick inspection. Some lenders also ask for proof of insurance or a spare key. Requirements vary by lender. Start our 3-minute form to see what lenders need from you.
Can I refinance my title loan in New Hampshire?
Often, yes. Some lenders let you refinance an existing title loan into a new loan with a different payment amount or term, and a new lender may be able to pay off your current one. Options depend on your vehicle's value, your income and New Hampshire rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.