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Title loans in New Hampshire

Title loans for bad credit in New Hampshire

Title loans are allowed in New Hampshire from state-licensed lenders (Title Loan Lender license under RSA 399-A, issued by the New Hampshire Banking Department). Here are the limits New Hampshire law sets, what a typical loan can cost, and where to get free help if you need it.

Last updated .

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Part of the New Hampshire guide

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What New Hampshire law allows

Title loans in New Hampshire
ProductStatusAPR capAmountTermLicenseLaw
Title loans[1][2] Allowed Cap set in statute Not set by statute Up to 30 days Title Loan Lender license under RSA 399-A, issued by the New Hampshire Banking Department N.H. RSA 399-A:18; RSA 399-A:19
Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow.
The rules in full

Title loans

Rate cap
Title loans may not "charge interest at higher than 25 percent per month" (RSA 399-A:18, I(f)), i.e., a maximum of 300% simple annualized nominal rate before considering fee-inclusive APR conventions; this is a monthly rate cap, not the 36% annual cap that applies to small and payday loans.
Fees
One dishonored-check fee per check permitted; actual pass-through costs (e.g., repossession) allowed (RSA 399-A:18, I(a)).
License
Title Loan Lender license under RSA 399-A, issued by the New Hampshire Banking Department.

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

Money snapshot for New Hampshire

New Hampshire household data
MeasureValueYear
Fair market rent, 2 bedroom (monthly)[3]$2,040FY2026
Population[4]1,409,0322024
Unemployment rate[5]2.8%2026-08

Other options in New Hampshire

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

  • Emergency loans in New Hampshire: allowed under New Hampshire law; see its limits and license rules.
  • Installment loans in New Hampshire: allowed under New Hampshire law; see its limits and license rules.
  • Payday loans in New Hampshire: allowed under New Hampshire law; see its limits and license rules.
  • Personal loans in New Hampshire: allowed under New Hampshire law; see its limits and license rules.
  • Credit union payday alternative loans (PALs). Federal credit unions may offer small loans of up to $2,000 with terms of up to 12 months and an APR no higher than 28%, under NCUA rules (12 CFR 701.21). You usually need to be a member.
  • Nonprofit credit counseling. A counselor accredited by the National Foundation for Credit Counseling can help you build a budget or a debt management plan.
  • Ask your creditor for a payment plan. Utilities, hospitals and many lenders offer hardship or extended payment plans if you ask before you miss a payment.
  • Local assistance. Call 211, or visit 211.org, for emergency help with rent, utilities and food in New Hampshire.

See every loan type New Hampshire law allows.

Title 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. Census Bureau, Population Division. Vintage 2024 National and State Population Estimates. Retrieved September 23, 2026.
  5. U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.

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.

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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.