Personal loans in New Hampshire
Consumer lending in New Hampshire is regulated by the New Hampshire Banking Department. Below are the sourced rules that affect what a lender can charge you, followed by the cities we cover.
Lending rules in New Hampshire
| Payday lending | Permitted and regulated — maximum loan amount: $500; maximum loan term: At least seven days and not more than 30 days. Finance charges: The annual percentage rate for payday loans shall not exceed 36%Source: National Conference of State Legislatures · as of 2023 |
|---|---|
| Small-loan / installment licensing | Consumer lenders must obtain a state license (Yes). Statutory basis: N.H. Laws. §§ 399-A et seq. Licensing administered through NMLS: Optional.Source: Conference of State Bank Supervisors · as of 2026 |
| Interest rate cap (usury limit) | Usury limit: 10%; written contracts may stipulate other rates (RSA 336:1). Finance rates and fees for licensed lenders: 36% per annum. CSBS 50-state survey of consumer finance laws; state-verified usury catalog.Source: Conference of State Bank Supervisors · as of 2026 |
| Consumer lending regulator | Consumer lenders in New Hampshire are licensed and supervised by the New Hampshire Banking Department.Source: Conference of State Bank Supervisors · as of 2026 |
| Debt collection rules | Third-party debt collectors must comply with the federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.; state consumer-protection and debt-collection enforcement is handled by the New Hampshire Department of Justice, Office of the Attorney General. The FDCPA expressly authorizes state attorneys general to enforce it (15 U.S.C. § 1692l). Some states also require collection agencies to be licensed.Source: New Hampshire Department of Justice, Office of the Attorney General · as of 2026 |
| Military lending protections | The federal Military Lending Act (MLA) caps the Military Annual Percentage Rate (MAPR) at 36% for consumer credit extended to active-duty service members, their spouses and certain dependents, and bars mandatory arbitration and prepayment penalties on covered loans. Federal protection that applies nationwide, including in this state.Source: Consumer Financial Protection Bureau · as of 2024 |
| Complaint / licensing lookup | Check whether a lender holds a state license through NMLS Consumer Access (nmlsconsumeraccess.org) or the New Hampshire Banking Department; consumers can file complaints with the New Hampshire Banking Department or the CFPB at consumerfinance.gov/complaint.Source: Nationwide Multistate Licensing System (NMLS) Consumer Access · as of 2026 |
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Cities in New Hampshire
NashuaManchesterPortsmouthDoverConcordRochesterKeeneLaconiaLebanonClaremontSomersworthBerlinFranklinSouth HooksettSuncookPinardvilleEast MerrimackTilton NorthfieldHampton BeachNorth ConwayWoodsvilleWest SwanzeyContoocookNorth Haverhill
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