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Payday loans in New Hampshire

Payday loans for bad credit in New Hampshire

Payday loans are allowed in New Hampshire from state-licensed lenders (Payday Loan Lender license). Here are the limits New Hampshire law sets, what a typical loan can cost, and where to get free help if you need it.

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Last updated .

Part of the New Hampshire guide

What New Hampshire law allows

Payday loans in New Hampshire
ProductStatusAPR capAmountTermLicenseLaw
Payday loans[1][2] AllowedHigh-cost loan 36% APR Up to $500 7 days to 30 days Payday Loan Lender license N.H. RSA 399-A:17
Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow.

Bars place each APR cap on a 0 to 400% scale; the pin marks the cap. A striped bar means the statute sets no numeric cap.

The rules in full

Payday loans

Rate cap
"The annual percentage rate for payday loans shall not exceed 36 percent" (RSA 399-A:17, I).
Fees
"No other charges or fees shall apply to or be collected on payday loans" beyond interest within the 36% APR cap (RSA 399-A:17, II).
License
Payday Loan Lender license under RSA 399-A, issued by the New Hampshire Banking Department.

Full detail for every loan type: New Hampshire lending laws.

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Rent and jobs in New Hampshire

Typical rent and the jobless rate, to weigh before a loan payment.

Rent and unemployment in New Hampshire
MeasureValueYear
Fair market rent, 2 bedroom (monthly)[3]$2,040FY2026
Unemployment rate[4]2.8%2026-08

Other options in New Hampshire

Cheaper options to try first

Worth checking whatever your credit: these can cost less than a high-rate loan.

  • Credit union payday alternative loans (PALs), capped at 28% APR under NCUA rules (12 CFR 701.21).
  • Nonprofit credit counseling through the National Foundation for Credit Counseling.
  • A payment plan from the company you owe, if you ask before you miss a payment.
  • 211 for help with rent, utilities and food: call 211 or visit 211.org.

More cheaper options in New Hampshire.

Other loan types allowed in New Hampshire

See every loan type New Hampshire law allows.

Payday loans in nearby states

Sources

  1. gc.nh.gov. N.H. RSA 399-A:17. Retrieved September 23, 2026.
  2. banking.nh.gov. New Hampshire Banking Department. Retrieved September 23, 2026.
  3. National Low Income Housing Coalition. Out of Reach 2026: New Hampshire. Retrieved September 23, 2026.
  4. U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.

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Important disclosures

APRs vary by lender and state in New Hampshire. Each lender sets its own rates and terms and must show you the APR before you sign.

Representative example

Amount borrowed
$500
Annual percentage rate (APR)
36%
Repayment
1 payment after 30 days
Payment
$514.79
Finance charge
$14.79
Total of payments
$514.79

Example: a $500 payday loan at 36% APR repaid in 1 payment after 30 days costs $514.79, including a finance charge of $14.79. Illustration only; your lender will disclose your actual APR, payment schedule and total cost before you accept a loan.

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  • Questions about a lender licensed in New Hampshire? Contact the New Hampshire Banking Department or file a state complaint.
  • You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.