Payday Loans in Concord, New Hampshire | finder.com.au
concord NH

Payday loans in Concord, NH

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If you’re in need of some short-term credit, learn more about payday lending 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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  • Min. Loan Amount: $500
  • Max. Loan Amount: $5,000
  • Loan Term: 3 to 36 months
  • Turnaround Time: Varies

    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.

    Rates last updated November 13th, 2018
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Max. Loan Amount Turnaround Time Requirements
    CashUSA Installment Loans
    A connection service for quick cash loans up to $10,000.
    $10,000
    As early as 1 business day
    Must have a monthly income of $1,000+ after taxes and valid checking account.
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    $5,000
    1 business day
    Must have direct deposit and meet minimum income requirements.
    LendYou Short-term Loans
    Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
    $15,000
    1 business day
    You must be a US citizen or permanent resident, age 18+ and have a regular income.
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    $2,600
    1–2 days
    Must have an active checking account, regular source of income and email address.
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    $1,000
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    ACE Cash Express Short-term Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.

    Compare up to 4 providers

    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

    Martin needed immediate car repairs

    Imagine this scenario: Martin was driving back to college after summer break when his car broke down. He’d just put a large downpayment on his apartment for the year, and he wasn’t going to be paid for another two weeks. The repair was too expensive for his savings, so he decided to apply for an online payday loan.

    The application process was relatively easy, and he was approved for a $400 loan within a few minutes after submitting. The contract stated that he would be charged a 36% interest rate and that his payment would be due in 30 days. It included the total cost of the loan, $412. This included the principal and total interest.

    On the due date, the lender debited the payment from his account. Martin made sure to have the money there to avoid being charged an extra fee by his lender. His car was repaired and his debts repayed, so Martin could start the semester without worry.

    Payday loan locations in Concord, New Hampshire

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

    • NH Cash. S River Road
    • Title Cash. Loudon Road
    • LoanMax Title Loans. Loudon Road
    • Cash for Gold. Manchester Street
    • Title Cash of NH, Inc. W Main Street
    • Capital Title Loan. S Willow Street

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    US Payday Loans Offers

    Important Information*
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

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