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The Best Loans in New Hampshire 2022: Compare Now

Written by:  Joe Chappius
|
Last updated: May 6, 2024

Financer.com helps you compare online loan rates in New Hampshire. Compare different loan options in New Hampshire and read more about the payday loan laws in the state.

  • Compare lenders online
  • Find a loan in New Hampshire
  • Compare loan rates and apply

How to Compare Loans in New Hampshire

How to Compare Loans in New Hampshire
1
Choose your loan amount
Choose the amount of money you want to borrow
2
Compare loan rates
Filter the results based on your needs and compare loan rates
3
Choose the best offer
Choose the best offer from leading lenders
4
Complete the application
Click Get Started and complete your application online

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Where Can I Find a Loan in New Hampshire?

If you’re looking for a loan online, welcome to Financer.com!

We help connect you with trusted lenders across a wide variety of loans including, personal loans, payday loansauto loansbusiness loans, etc. etc.

All that said you might be one of the many people looking for more information on payday loans in New Hampshire.

While you can compare instantly above using our loan comparison tool for a personal installment loan, you might want to click this link here, if you’re hoping to find offers from payday loan lenders.

If lending is new to you, learn more with our comprehensive guide below and find the information you’re looking for!

The Advantages of Online New Hampshire Loans

Online Personal Loans Are Convenient
Online Personal Loans Are Convenient
Get Funds As Soon As The Same Day
Get Funds As Soon As The Same Day
Apply Anywhere, Anytime
Apply Anywhere, Anytime
Less Paperwork Required
Less Paperwork Required

What Type of Loan is Right For Me?

There are two typical types of loans you’re most likely looking for.

When it comes to getting great deals online, most people are familiar with personal installment loans, which you can get started on right away by using our loan comparison tool above.

But when you’re looking for loans that you can take despite bad credit, and get approved for rather quickly there is always payday loans available.

New Hampshire Payday Loan Regulations

Legal Status Legal
Interest Rate (APR) 36%
Max. Loan Amount $500
Min. Loan Term 7 days
Max. Loan Term 30 days
Number of Rollovers 0
Finance Charges $1.38 for a $100 loan
Installment Yes
Updated July 8 2022

New Hampshire Payday Loans Laws

payday loans in New HampshireNew Hampshire residents may find themselves in need of a cash advance to take care of an emergency or handle utility bills. This article will provide you with all the information you need regarding these types of loans.

Restrictions regarding payday lending vary from state to state. You might want to get familiarized with the payday regulations in New Hampshire before taking out a loan.

The state imposes strict limitations regarding interest rates so that lenders cannot gain huge profits out of such charges. APR for New Hampshire payday loans is capped at 36% and cannot exceed that amount.

According to the law, a borrower cannot have more than one loan at a time. Taking other loans from different lenders is considered illegal. Both the borrower and the lender will be answerable in such a case.

Get the Loan You Need

An online personal loan can help when you need cash for large purchases or unplanned expenses.
Holiday
Holiday
Wedding
Wedding
Home Renovations
Home Renovations
Bills
Bills
Shopping
Shopping
Education
Education

What Happens if You Default?

Even the best planners can sometimes fall behind schedule. What happens if you fail to repay your loan on the due date? First, keep in mind the following important points according to New Hampshire state law:

  • Defaulted payments are not considered criminal offense
  • Borrowers should therefore not be afraid of lenders threatening to pursue criminal lawsuit
  • You can only be taken to a court trial if you purposefully took out a loan without any intention of paying
  • Civil trials are legal, thus not prohibited in case borrowers do not repay on time- in short you can be taken to court over failure to meet your repayments
  • There is no specific law concerning collection fees; lending companies are free to set the rate themselves so to avoid egregious fees make sure to pay!

Finance Charges and Repayment Period

Finance charges for a $100 loan given for a period of two weeks should not exceed $1.38. These charges include the processing fee, approval fees and other similar charges of the sorts.

Repayment period should be not less than 7 days and not more than 31 days according to the state law. A cooling-off period of 60 days after the date when the previous loan was fully repaid is allowed. Only after this duration can a borrower apply for another loan. Meaning that if you have already repaid a payday loan in the state of New Hampshire, you are not eligible for another payday loan until 60 days later from the final repayment date.

However, rollovers and renewals are prohibited so ensure you repay your debt in due time.

How Do New Hampshire Loans Work?

The maximum payday loan amount you can borrow is $500. If approved, you can expect to have funds disbursed to you within two business days.

You need to be at least 18 years and be an American citizen or a permanent resident. You will also need to supply basic information such as full names, date of birth and details of your income and employment.

You can get started right away by comparing payday loans from clicking this link.

But if you need more than $500, and are looking for a personal loan where you pay back through equal payments over a course of several months or years, get started with our loan comparison tool above right now!

Why Compare Personal Loans at Financer.com

Completely Free Comparison
Completely Free Comparison
Instant Results Without a Credit Check
Instant Results Without a Credit Check
Read Genuine Customer Reviews
Read Genuine Customer Reviews
Find the Cheapest Payday Loans in New Hampshire
Find the Cheapest Payday Loans in New Hampshire
Compare Now

Compare New Hampshire Loans at Financer.com

Financer.com helps you compare the best personal loans in New Hampshire and get the best loan rates from leading lenders.

We look for lenders that offer full transparency and have a long track record of successful lending and satisfied customers. We are always improving our comparisons, but are confident in what we can bring to market, and we know you will be as well.

Use our free loan comparison tool to find the right personal loan in New Hampshire and take the guesswork out of doing all the legwork yourself.

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