Payday loans in Concord, NH

Payday lending is legal in New Hampshire, but when you’re in a tight financial spot, it might be hard to figure out what the best option is for your needs. Our guide will help you find a lender in Concord that can work with you while you try to pay off your debts.

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What are the laws in New Hampshire that affect Concord payday loans?

As stated in New Hampshire Statutes Chapter 399-A:1 et seq., you can borrow up to $500 over a period of 7 to 30 days. This applies to lenders whether you borrow in-store or go through an online application. The law also caps interest rates at 36%, meaning a lender won’t be able to charge your rates in the hundreds for a loan lasting only a few days. This is to help consumers get a fair deal.

You can find out more about New Hampshire law here

A selection of payday loans you can apply for

Check the lender website to make sure they offer loans in New Hampshire.

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Name	Product	Filter Values	Loan amount	Turnaround time	Requirements
LendYou Short-term Loans Finder Score: 2.5 / 5: ★★★★★ LendYou Short-term Loans Finder Score: 2.5 / 5: ★★★★★			Up to $1,000 for payday loans and up to $5,000 for installment loans	1 business day	$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+	Get offers from potential lenders in minutes by filling out just one online form.	Go to site More Info	Compare	loading Fetching your data...
EarnIn Not rated yet EarnIn Not rated yet			Get up to $100 per day or $750 per pay period.	1 to 3 business days, or same-day for a fee	Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work	No mandatory fees, no interest, and no credit checks. Subject to EarnIn terms & conditions	Go to site More Info	Compare	loading Fetching your data...
Albert Not rated yet Albert Not rated yet			Up to $250	2–3 business days or instant for a fee	Checking account 2+ months old receiving direct deposit, 2+ months working for the same employer, positive account balance, most recent paycheck was on-time, funds still available in bank account 24 hours after most recent payday.	Get up to $250 overdraft protection if you sign up for Albert's banking app.	Go to site More Info	Compare	loading Fetching your data...
Fast5kLoans Short-term Loans Connection Service Finder Score: 0.2 / 5: ★★★★★ Fast5kLoans Short-term Loans Connection Service Finder Score: 0.2 / 5: ★★★★★			$100 to $35,000	As soon as the next business day	Regular source of income, Verifiable bank account, US citizen, Ages 18+	Get connected with multiple lenders you might qualify with — even if you have bad credit.	Go to site More Info	Compare	loading Fetching your data...
Fig Loans Installment Loans Not rated yet Fig Loans Installment Loans Not rated yet			$50 to $100, varies by state	As soon as the same business day	3 months of direct deposits, $1400 per month income, positive bank account balance	Get an affordable installment loan that comes with no fees, flexible terms and predictable monthly repayments.	Go to site More Info	Compare	loading Fetching your data...

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3 benefits to payday loans in Concord

• You can make early payments. If you have the extra money, you can make payments of at least $50 toward your loan principal at no extra cost.
• Easy application process. Most lenders have simple applications that only take a few minutes to fill out.
• Short terms. Your loan will only last 7 to 30 days. This means that the interest you’re charged won’t accumulate over months and you won’t have to worry about making a payment every time you get paid.

Costs of a payday loan in Concord

Because New Hampshire caps the annual percentage rate (APR) a payday lender can charge at 36%, it is relatively cheap to take out a loan in Concord. For instance, a $100 loan costs $1.38 to borrow. When you pay it back, the total your lender will be able to withdraw from your account or cash a check for is $101.38–about $10 to $20 less than payday loans in other states.

Here’s how to apply for a payday loan

No matter if you apply online or in-store, a lender wil require that you be a US citizen or permanent resident, be at least 18 years old and have a regular source of income.

If you meet these basic eligibility criteria, most online applications have a similar format. You’ll need to submit personal information to your lender, including

• Your name, date of birth and Social Security number
• Your contact details, like your phone number and email
• Your employer’s contact details and the length of your employment
• Your gross monthly income
• Your checking account details

If you aren’t approved for a loan, consider your other options

Payday loan locations in Concord, New Hampshire

Here’s where you can go to take out a payday loan in Concord

Frequently asked questions

• Is there an option for installment loans?

  If you want to take out an installment loan, compare your options here. Keep in mind that lenders still need to follow New Hampshire’s short-term loan laws, so when you read your contract, be sure the lender isn’t charging you more than legally allowed.

• What are the collection fees if I miss a payment?

  You won’t be charged any collection fees if you miss a payment on your payday loan, but any outstanding balance will continue to be charged a 6% annual interest rate.

• Can a lender charge more than 36% in annual interest?

  No. Any lender that attempts to charge more than the 36% APR cap is breaking the law and should be reported to the New Hampshire State Banking Department.