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