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Compare your loan options in New Hampshire

Here’s how payday loans in New Hampshire work and what you should know before applying

When you’re facing a financial setback or crisis, you may be considering a payday loan. Fortunately, New Hampshire law protects consumers from predatory practices by capping the maximum interest rate and requiring all lenders to have a license. Read more about how payday loans work and what costs you should expect when applying.

Check into Cash Payday Loan

Check into Cash Loans

Check into Cash allows you to directly apply for a payday loan and have your cash when you need it.

  • Min. Loan Amount: $50
  • Loan Term: Varies by state
  • Turnaround Time: 1–2 business days
  • Total Costs: Varies depending on the amount and your state of residency.
  • Must be 18+
  • No security needed
  • Confidential and secure!

    Are payday loans legal in New Hampshire?

    Yes, payday loans are legal in New Hampshire. New Hampshire Statutes Chapter 399-A:1 et seq. govern the functioning of all payday lenders. It requires payay lenders to have a license in order to operate and enforces a strict cap on interest.

    • Maximum loan amount: $500
    • Loan term: 7 to 30 days
    • APR: 36%
    • Financing fees: A 14-day $100 loan costs $1.38

    New Hampshire law forbids rolling over or refinancing a loan and prohibts having more than one outstanding loan at once, and you must also wait 60 days between taking out each loan.

    There are no collection fees if you default on your loan, but an outstanding balance will continue to accrue interest at an annual rate of 6%. If you wish, you may make partial payments of $50 or more with no penalty.

    Consider these lenders for payday loan

    Check the websites of any providers you’re interested in to confirm they operate in New Hampshire.

    Rates last updated November 20th, 2017
    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 Maximum Loan Amount Term of Loan Turnaround Time Requirements
    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.
    $250
    7–30 days
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    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.
    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
    Varies by state
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    ACE Cash Express Payday Loans
    Quick short term, installment and title loans come with no prepayment penalty and a 72-hour satisfaction guarantee.
    Varies by state
    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

    How can I apply for a New Hampshire payday loan?

    In New Hampshire, you’ll need to be at least 18 years old, be a US citizen or permanent resident and have a regular source of income before you apply.

    Most lenders, whether you apply online or in-person, will require you to supply some personal information to varify your idenity. This usually includes your Social Security number, home address and employment information. An online lender may also require you to give access to your checking account in order to deposit your loan and debit the payments when they are due.

    Is there anything I should consider before taking out a payday loan?

    Althought payday loans can be a good way to get by when you’re in a tough spot financially, they are still costly forms of credit. If you’re struggling to pay down your debt and still afford everyday bills, you might want to consider applying to some assistance programs in New Hampshire. Medicaid, Food Stamps and the Fuel Assistance Program can all help you avoid taking on extra loan debt.

    Your other options include asking friends or family for help, taking out a cash advance on a credit card if you have one or applying for a loan from a local credit union.

    Or you could browse our page for more alternative options

    Have more questions about payday loans in New Hampshire?

    Yes. You must wait at least 60 days after you pay off your loan before applying for a new one.

    No. New Hampshire law applies to all lenders operating in the state, even online ones. If a lender doesn’t offer you the legal rate, move on and find another that will.

    You should get in touch with the New Hampshire State Banking Department.

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    US Payday Loans Offers

    Learn about our information service
    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.