New Hampshire Payday Loan Laws and Regulations in (NH)

(last updated 01/14/2016)
Payday loans and cash advances are legal in New Hampshire. The State of New Hampshire Banking Department has been regulating Payday Loans and Cash Advances since April 13th, 2003. As of 01/13/2015 there were 3 licensed lenders and 23 licensed locations in New Hampshire.
 
The maximum payday loan allowed in New Hampshire is $500. The maximum payday loan as a percentage of income is not specified. The number of loans that can be open at one time is 1. The maximum permissible fees allowed in New Hampshire is the APR on a loan may be no more than 36% per year.. The cooling off or waiting period for obtaining another loan is 60 days. The number of rollovers that are permitted is 0 (borrower may renew for additional cash; prior loan must be paid in full from new loan proceeds). The minimum loan term is 7 days. The maximum loan term is 30 days.
 
This information is for informational purposes only. Although care has been taken to accurately describe the laws and regulations in New Hampshire, no guarantees are implied or expressed about its accuracy. This is not legal advice. If you need legal advice, please consult an attorney or the State of New Hampshire Banking Department.
 
The following classes of lending organizations my be exempt from some, all, or none of the regulations and laws set by the state of New Hampshire. Federally chartered banks, state chartered banks, credit unions and some entities organized under the laws of a sovereign nation (for example) a Native American Tribe or the country of Antigua.

New Hampshire Payday Lending Regulator (NH)

Regulating Authority
State of New Hampshire Banking Department
53 Regional Drive
Suite 200
Concord, NH 03301
1-800-437-5991
http://www.nh.gov/banking/index.htm

Agency for Handling Complaints
State of New Hampshire Banking Department
53 Regional Drive
Suite 200
Concord , NH 03301
(603) 271-3561
www.nh.gov/banking/consumer-assistance/complaint.htm

 


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New Hampshire Payday Loans (NH) by City

Amherst
Barrington
Bedford
Belmont
Berlin
Concord
Derry
Dover
Durham
Franklin
Gilford
Goffstown
Hampton
Hanover
Hudson
Laconia
Lebanon
Litchfield
Londonderry
Manchester
Milford
Nashua
Pembroke
Portsmouth
Rochester
Salem
Seabrook
Somersworth
Stratham
Swanzey

New Hampshire Debt Relief, Financial Counseling, and Consumer Credit Information


If you would like to look into the possible benefits of these services, GreenPath, Inc. is a leading provider of financial counseling services in New Hampshire.