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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 have unplanned expenses and are on a tight budget, a payday loan could be helpful. Payday loans, a type of short-term loan, give you quick access to money when you need it. Read on to find out about the laws in New Hampshire and everything else you should know about how payday advances work.

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Name Product Filter Values Loan amount Turnaround time Requirements
Smart Advances
Not rated yet
Smart Advances
$100 to $20,000
As soon as one business day after loan closing
Have a regular income, 18+ years old, be a U.S. citizen with a valid SSN, have an open bank account, meet any additional requirements your lender may have
Smart Advances was designed to help you request the loan you need, for any reason.
EarnIn
Not rated yet
EarnIn
Get up to $100 per day or $750 per pay period.
1 to 2 business days, or in minutes with Lightning Speed.
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
Cleo
Not rated yet
Cleo
Up to $250
3 to 4 days standard transfer. Same day with $3.99 express fee.
Not stated
Automatically monitor your spending plus access cash advances up to $100 at a time.
Albert
Not rated yet
Albert
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.
Brigit
Not rated yet
Brigit
Up to $250
1 to 3 business days or instant with a fee of $0.99 to $3.99, or a $9.99/mo. subscription with small fee, or free with $14.99/mo. subscription.
Bank account must have at least 60 days of activity, Balance must be above $0 and have an average minimum balance on pay day
Have up to $250 automatically deposited into your account — for a $9.99 membership fee.
Fast5kLoans Short-term Loans Connection Service
Finder Rating: 3.5 / 5: ★★★★★
Fast5kLoans Short-term Loans Connection Service
$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.
Smart Advances
Not rated yet
Smart Advances
$100 to $20,000
As soon as one business day after loan closing
Have a regular income, 18+ years old, be a U.S. citizen with a valid SSN, have an open bank account, meet any additional requirements your lender may have
Smart Advances was designed to help you request the loan you need, for any reason.
EarnIn
Not rated yet
EarnIn
Get up to $100 per day or $750 per pay period.
1 to 2 business days, or in minutes with Lightning Speed.
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
Cleo
Not rated yet
Cleo
Up to $250
3 to 4 days standard transfer. Same day with $3.99 express fee.
Not stated
Automatically monitor your spending plus access cash advances up to $100 at a time.
Albert
Not rated yet
Albert
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.
Brigit
Not rated yet
Brigit
Up to $250
1 to 3 business days or instant with a fee of $0.99 to $3.99, or a $9.99/mo. subscription with small fee, or free with $14.99/mo. subscription.
Bank account must have at least 60 days of activity, Balance must be above $0 and have an average minimum balance on pay day
Have up to $250 automatically deposited into your account — for a $9.99 membership fee.
Fast5kLoans Short-term Loans Connection Service
Finder Rating: 3.5 / 5: ★★★★★
Fast5kLoans Short-term Loans Connection Service
$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.
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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.

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 payday 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 prohibits 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.
You can also get an installment loan in New Hampshire. As an alternative to payday loans, installment loans are another type of short-term loan that comes with longer repayment periods and less interest.

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.

Cautions to consider before taking out a payday loan

Although 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.
More alternative options to short-term loans

Have more questions about payday loans in New Hampshire?

Picture: Shutterstock

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