Best Loans In New Hampshire, Payday, Auto Title Laws 2019 - Elite Personal Finance
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Best Loans In New Hampshire, Payday, Auto Title Laws 2019

EPF November 5, 2019
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New Hampshire’s Small Loan Statute requires licensed lenders to cap installment loans at $10,000. APRs are capped at 36% and include allowable annual charges – of $100 – for application and membership fees. Delinquency charges – after the loan is at least 10 days past due – are also capped at 5% of the unpaid balance.

Best Bad Credit Loans In New Hampshire

Lender:Min Credit Score:Loan Amount:APR:Licensed in New Hampshire:
BadCreditLoans0$500 – $5,0005.99% – 35.99%Not a direct lender
CashUSA0$500 – $5,0005.99% – 35.99%Not a direct lender
PersonalLoans580$1,000 – $35,0005.99% – 35.99%Not a direct lender

If you’re confused about which lender is right for you, our guide on bad credit loans can help make things clearer.

Best Personal Loans for Good Credit In New Hampshire

Lender:Min Credit Score:Loan Amount:APR:Licensed in New Hampshire:
Payoff640$5,000 – $35,0005.99% – 24.99%Yes
Upstart620$1,000 – $50,0007.46% – 35.99%Yes
PersonalLoans580$1,000 – $35,0005.99% – 35.99%Not a direct lender
LendingTree500$1,000 – $35,0003.99% – 35.99%Yes

There are also plenty of out-of-state lenders you can choose from. To learn more, see our full list of recommended lenders. You can also try SuperMoney. It’s a great loan comparison site.

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Payday Loans in New Hampshire

Maximum Loan Amount: $500

Minimum Loan Term: 7 days

Maximum Loan Term: 30 days

Maximum Fee: $1.38 per $100 borrowed (2-week term)

Maximum APR: 36%

Rollovers: Prohibited

Loan Limit: You can only have one payday loan at a time

Payday loans are legal in New Hampshire.

However, licensed lenders are subject to the same 36% APR-cap listed above. Loan amounts are capped at $500 and the minimum loan term is 7 days, while the maximum loan term is 30 days. Rollovers are prohibited and licensed lenders cannot extend credit to a borrower who already has an outstanding payday loan or a borrower who had one outstanding within the previous 60 days.

New Hampshire’s legislation also gives borrowers the right to return the loan proceeds within one business day and not incur any finance charges. As well, licensed lenders are required to post – at each storefront – a schedule of interest charges using examples of a $300 payday loan taken out over 14 days and 30 days.

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