Best Loans In New Hampshire, Payday, Auto Title Laws 2020 - Elite Personal Finance
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Best Loans In New Hampshire, Payday, Auto Title Laws 2020

EPF Last Update: April 1, 2020

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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 2020

Amount

$500 – $5,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

3 – 36 Months

Licensed in Hampshire

Not a direct lender

Amount

$100 - $2,500

Min Credit Score

0

APR

Vary by State

Approval

< 1 Day

Terms

1 - 36 Months

Licensed in Hampshire

Yes

Amount

$1,000 – $5,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

9 – 36 Months

Licensed in Hampshire

Yes

Amount

$100 – $1,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

7 – 30 Days

Licensed in Hampshire

Yes

Amount

$1,000 – $10,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Hampshire

Not a direct lender

Amount

$1,000 – $50,000

Min Credit Score

500

APR

3.99% – 35.99%

Approval

< 1 Day

Terms

1 – 5 Years

Licensed in Hampshire

Yes

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Hampshire

Yes

Amount

$1,000 – $100,000

Min Credit Score

500

APR

5.34% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Hampshire

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

< 1 Day

Terms

12 - 120 months

Licensed in Hampshire

Yes

Amount

$1,000 – $35,000

Min Credit Score

580

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Hampshire

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 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

1 Day

Terms

12 - 120 months

Licensed in Hampshire

Yes

Amount

$2,000 - $40,000

Min Credit Score

640

APR

6.95% - 35.99%

Approval

1 - 3 Days

Terms

36 - 60 months

Licensed in Hampshire

Yes

Amount

$1,000 – $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

1 Day

Terms

12 - 120 months

Licensed in Hampshire

Yes

Amount

$1,000 – $35,000

Min Credit Score

580

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Hampshire

Yes

Amount

$1,000 – $50,000

Min Credit Score

500

APR

3.99% – 35.99%

Approval

< 1 Day

Terms

1 – 5 Years

Licensed in Hampshire

Yes

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Hampshire

Yes

Amount

$1,000 – $50,000

Min Credit Score

600

APR

6.98% – 35.89%

Approval

< 1 Day

Terms

3 - 5 Years

Licensed in Hampshire

Yes

Amount

$5,000 – $35,000

Min Credit Score

640

APR

5.99% – 24.99%

Approval

1 – 7 Days

Terms

2 -5 Years

Licensed in Hampshire

Yes

Amount

$2,500-$35,000

Min Credit Score

660

APR

6.99-24.99%

Approval

1 Day

Terms

24 - 84 Months

Licensed in Hampshire

Yes

Amount

$7,500 - $40,000

Min Credit Score

680

APR

6 - 15%

Approval

1 - 7 Days

Terms

36 - 84 months

Licensed in Hampshire

Yes

There are also plenty of out-of-state lenders you can choose from. To learn more, see our full list of recommended lenders.

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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.

Payday Loan Laws in New Hampshire by Country

ElitePersonalFinance analysis of payday loan laws by countries in the State of New Hampshire.

We haven’t found a significant difference between the payday loan laws in New Hampshire. In the state of New Hampshire payday loans are legit, but remain regulated in all countries.

CityAmount AllowedAPR AllowedStatus
Manchester$50036%Legal
Nashua$50036%Legal
Concord$50036%Legal
Derry$50036%Legal
Dover$50036%Legal
Rochester$50036%Legal
Salem$50036%Legal
Merrimack$50036%Legal
Londonderry$50036%Legal
Hudson$50036%Legal
Keene$50036%Legal
Bedford$50036%Legal
Portsmouth$50036%Legal
Goffstown$50036%Legal
Durham$50036%Legal
Laconia$50036%Legal
Milford$50036%Legal
Hampton$50036%Legal
Exeter$50036%Legal
Windham$50036%Legal
Hooksett$50036%Legal
Lebanon$50036%Legal
Pelham$50036%Legal
Claremont$50036%Legal
Somersworth$50036%Legal
Hanover$50036%Legal
Amherst$50036%Legal
Raymond$50036%Legal
Berlin$50036%Legal
Conway$50036%Legal
Newmarket$50036%Legal
Weare$50036%Legal
Barrington$50036%Legal
Seabrook$50036%Legal
Hampstead$50036%Legal
Franklin$50036%Legal
Litchfield$50036%Legal
Hollis$50036%Legal
Bow$50036%Legal
Plaistow$50036%Legal
Stratham$50036%Legal
Belmont$50036%Legal
Swanzey$50036%Legal
Pembroke$50036%Legal
Gilford$50036%Legal
Epping$50036%Legal
Atkinson$50036%Legal
Farmington$50036%Legal
Plymouth$50036%Legal
Peterborough$50036%Legal
Newport$50036%Legal
Meredith$50036%Legal
Sandown$50036%Legal
Wolfeboro$50036%Legal
Kingston$50036%Legal
Rindge$50036%Legal
Hillsborough$50036%Legal
Littleton$50036%Legal
Hopkinton$50036%Legal
New Boston$50036%Legal
Loudon$50036%Legal
Rye$50036%Legal
Auburn$50036%Legal
Jaffrey$50036%Legal
Brookline and Alton$50036%Legal
New Ipswich$50036%Legal
Chester$50036%Legal
Charlestown$50036%Legal
Wakefield$50036%Legal
Nottingham$50036%Legal
Henniker$50036%Legal
Newton$50036%Legal
Northfield$50036%Legal
Epsom$50036%Legal
Brentwood$50036%Legal
Fremont$50036%Legal
Milton$50036%Legal
Barnstead$50036%Legal
Haverhill$50036%Legal
Enfield$50036%Legal
Danville$50036%Legal
New London$50036%Legal
Deerfield$50036%Legal
North Hampton$50036%Legal
Lee$50036%Legal
Allenstown$50036%Legal
Northwood$50036%Legal
Ossipee$50036%Legal
Winchester$50036%Legal
Pittsfield$50036%Legal
Strafford$50036%Legal
Moultonborough$50036%Legal
Boscawen$50036%Legal
Greenland$50036%Legal
Candia$50036%Legal
Canaan and Hinsdale$50036%Legal
Walpole$50036%Legal
Gilmanton$50036%Legal
Wilton$50036%Legal
Chesterfield$50036%Legal
Tilton$50036%Legal
Sunapee$50036%Legal
Campton$50036%Legal
Lancaster$50036%Legal
Bristol$50036%Legal

Best Auto Loans for Bad Credit in New Hampshire 2020

Best Auto Loans for Good Credit in New Hampshire 2020

FHA Loans in New Hampshire

New Hampshire has 10 counties with FHA Limits ranging from a low of $331,760 for a 1-bedroom unit in Belknap County to a high of $1,326,950 for a 4-bedroom unit in Rockingham County.

CountySingle Unit Limit (lowest)Four-Plex Limit (highest)
Belknap County$331,760$638,100
Carroll County$331,760$638,100
Cheshire County$331,760$638,100
Coos County$331,760$638,100
Grafton County$331,760$638,100
Hillsborough County$339,250$652,400
Merrimack County$331,760$638,100
Rockingham County$690,000$1,326,950
Strafford County$690,000$1,326,950
Sullivan County$331,760$638,100

Business Loans in New Hampshire

Amount

Up to $10,000,000

APR

Vary

Min Credit Score

0

Licensed in New Hampshire

Yes

Amount

$5,000 - $500,000

APR

9.77% - 35.98%

Min Credit Score

600

Licensed in New Hampshire

Yes

Amount

$5,000 - $500,000

APR

5.99% – 35.99%

Min Credit Score

500

Licensed in New Hampshire

Yes

Amount

Up to $250,000

APR

24% – 99%

Min Credit Score

560

Licensed in New Hampshire

Yes

Amount

Up to $350,000

APR

9.28 - 10.52%

Min Credit Score

650

Licensed in New Hampshire

Yes

Amount

Up to $350,000

APR

10.00 - 25.00%

Min Credit Score

680

Licensed in New Hampshire

Yes

Amount

$75,000 - $5,000,000

APR

5.50 - 8.25%

Min Credit Score

650

Licensed in New Hampshire

Yes

Amount

Up to $500,000

APR

12.18 - 36.00%

Min Credit Score

660

Licensed in New Hampshire

Yes

Amount

Up to $500,000

APR

9.00 - 99.00%

Min Credit Score

600

Licensed in New Hampshire

Yes

Amount

Up to $5,000,000

APR

15.00 - 78.00%

Min Credit Score

600

Licensed in New Hampshire

Yes

Amount

Up to $1,000,000

APR

Vary

Min Credit Score

0

Licensed in New Hampshire

Yes

Amount

$6,000 to $250,000

APR

Vary

Min Credit Score

0

Licensed in New Hampshire

Yes

All Licensed Credit Unions in New Hampshire

NameCitySize (Millions)Members
SERVICE CREDIT UNIONPortsmouth$1,979.08161055
ST. MARY’S BANK CREDIT UNIONManchester$717.7080854
NORTHEAST CREDIT UNIONPortsmouth$695.8372437
TRIANGLE CREDIT UNIONNashua$486.3239844
BELLWETHER COMMUNITY CREDIT UNIONManchester$353.0028165
GRANITE STATE CREDIT UNIONManchester$289.9527240
NEW HAMPSHIRE FEDERAL CREDIT UNIONConcord$234.3620729
HOLY ROSARY CREDIT UNIONRochester$173.0617179
WOODLANDS CREDIT UNIONBerlin$106.8016343
MEMBERS FIRST CREDIT UNION OF N.H.Manchester$130.9613096
GUARDIAN ANGELS CREDIT UNIONBerlin$39.774594
NEW HAMPSHIRE POSTAL CREDIT UNIONManchester$36.394509
CHESHIRE COUNTY FEDERAL CREDIT UNIONKeene$13.313096
PRECISION FEDERAL CREDIT UNIONKeene$14.642426
N.H. COMMUNITY FEDERAL CREDIT UNIONClaremont$7.662265
N G M EMPLOYEES FEDERAL CREDIT UNIONKeene$4.331455
FREUDENBERG-NOK EMPLOYEES CREDIT UNIONBristol$2.021229
CHESHIRE HEALTH FEDERAL CREDIT UNIONKeene$3.221166
ST. JOSEPH HOSPITAL EMPLOYEES’S CREDIT UNIONNashua$5.961116
TIMKEN AEROSPACE FEDERAL CREDIT UNIONLebanon$6.78972
GROPACO FEDERAL CREDIT UNIONNorthumberland$1.00479

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