Title loans in New Hampshire for bad credit

What New Hampshire law allows

Title loans in New Hampshire
Product	Status	APR cap	Amount	Term	License	Law
Title loans^[1]^[2]	AllowedHigh-cost loan	Cap set in statute	Not set by statute	Up to 30 days	Title Loan Lender license	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

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.

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

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

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.

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

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.