Quick answer
New Hampshire is served by the New Hampshire Banking Department. Most loan types are available, each with its own limits and licensing requirements. Call (800) 236-7761 or use the form to see which lenders are active in New Hampshire today.
New Hampshire loan rules at a glance
- Payday max amount
- Payday loans are 'small loans' under RSA 399-A:1; a small loan is $10,000 or less; no lower payday-specific dollar cap found in the text reviewed
- Payday term
- At least 7 days and not more than 30 days after the loan is made (RSA 399-A:17, II(e) maturity-date provision)
- Payday cost cap
- 36% APR cap; interest only - no other charges or fees may be collected (RSA 399-A:17)
- Payday licensing
- Payday loan lender license required under RSA 399-A:2; the definition of persons covered includes anyone who 'advertises
- Title loan term
- Not stated; a loan with a term of 6 months or longer at APR not exceeding 36% is not a title loan (RSA 399-A:16, VII) [s4]
- Title loan rate
- Interest may not exceed 25% per month; actual costs incurred under RSA 399-A:15, XI may be passed through (RSA 399-A:18,
- Governing statutes
- Chapter 399, chapter 399
Regulator: New Hampshire Banking Department · Phone: (603) 271-3561 · Statutes: Chapter 399, chapter 399 · Last verified: 2026-10-08
Loan products in New Hampshire
The table below summarises each product's legal status and key limits under New Hampshire law. Click a product to see the detailed guide.
| Loan type | Status | Key limits |
|---|---|---|
| Payday loans | Restricted | 36% APR cap; interest only - no other charges or fees may be collected (RSA 399-A:17) |
| Cash advance | Restricted | A cash advance secured by a check or account debit authorization dated the same day is treated as a |
| Title loans | Restricted | Interest may not exceed 25% per month; actual costs incurred under RSA 399-A:15, XI may be passed th |
| Installment loans | Restricted | State limits apply |
| Bad credit loans | Restricted | Same legal rules as installment unless noted; no separate bad-credit statute found in primary source |
| Debt consolidation | Unclear | Check with the state regulator |
| Refinance | Unclear | Check with the state regulator |
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Cities in New Hampshire
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