1,498 · Guides · August 27, 2026
New Hampshire offer profiles
Checked loan services for New Hampshire
9 offers are listed for New Hampshire. 6 are omitted because the available GEO excludes New Hampshire.
A marketplace may accept a ZIP code but still fail to find a licensed lender or suitable product. Confirm the actual creditor, license status, 36% APR or lower rate, no-fee pricing, same-day written agreement, partial-payment receipts and cooling-off disclosure.
YourPayDay
Advertising-referral service
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Cash advance 200%–1,386%; installment 6.63%–225% in the service disclosure
State availability
LendYou
Advertising-referral service
- Disclosed amount
- $100–$35,000
- Cost disclosure
- Cash advance 200%–1,386%; installment 6.63%–485%; personal 4.99%–450%
State availability
VitaPayday
Advertising-referral service
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Cash advance 200%–1,386%; installment 6.63%–225% in the service disclosure
State availability
PayDayMark
Advertising-referral service
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Cash advance 200%–1,386%; installment 6.63%–225%; generic personal-loan wording 5.99%–35.99%
State availability
ItsFunded
Paid lead-generation marketplace
- Disclosed amount
- $500–$5,000
- Cost disclosure
- Set by the participating lender; no representative APR published
State availability
247FastFunds
Marketplace / lead-generation service
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Set by the participating lender; no representative range verified on accessible pages
State availability
Wizzay
Paid lead-generation marketplace
- Disclosed amount
- $100–$5,000
- Cost disclosure
- 35.99% or below stated for qualified consumers; provider controls actual terms
State availability
FastMoneySource
Paid lead generator and aggregator
- Disclosed amount
- $100–$50,000
- Cost disclosure
- Set by the purchaser or lender; no representative APR range published
State availability
Honest Loans
Paid lead generator and aggregator
- Disclosed amount
- $100–$50,000
- Cost disclosure
- Set by the purchaser or lender; no representative APR range published
State availability
Available GEO checked August 27, 2026. ✅ and ❌ reflect the supplied affiliate-program state list, not approval, funding, legal authorization or statewide lender coverage. Review and destination links remain available for verification.
New Hampshire payday-loan rules: the direct answer
New Hampshire permits a payday loan only through a business licensed by the New Hampshire Banking Department under RSA Chapter 399-A. The chapter applies when the loan is made in New Hampshire or to a consumer located in the state, including an internet transaction. A payday loan is treated as a type of small loan, but it has its own stricter pricing and conduct rules.
The current payday-loan price ceiling is 36% annual percentage rate, calculated under the state chapter. Payday lenders may collect interest only: RSA 399-A:17 says no other charges or fees may apply to or be collected on a payday loan. The agreement must be written and signed on the day funds are made and disbursed. New Hampshire does not turn a national “instant cash” advertisement into a licensed or compliant local offer.
The comparison cards below are national matching and referral services with separate reviews. They let readers inspect disclosures and data permissions, not identify New Hampshire licensees. Before submitting a Social Security number or bank details, identify the actual creditor, confirm its authority, calculate the interest cost and save the agreement.
Who needs a New Hampshire license
RSA 399-A:2 requires a license before a person engages in the business of making small loans, title loans or payday loans in New Hampshire or with consumers located there. The statute also reaches evasive arrangements: changing the product name, using an affiliate or claiming to act for an exempt entity does not automatically avoid the chapter. A business can therefore need review even when the consumer sees a marketplace brand instead of a lender name.
The New Hampshire Banking Department processes applications through the Nationwide Multistate Licensing System and Registry (NMLS). A license expires at the end of the year unless renewed, and an out-of-state principal must designate a New Hampshire resident agent. Check the legal entity in NMLS Consumer Access and ask the Banking Department whether the entity’s role is lender, broker, lead generator, servicer or agent. Do not treat an NMLS record as a state endorsement; the statute expressly says licensure is not approval of a company’s merits.
36% APR and interest-only pricing
RSA 399-A:17 caps the annual percentage rate for a payday loan at 36%. The lender must conspicuously post an interest schedule with examples for a $300 loan payable in 14 days and 30 days. Those examples are a transparency requirement, not permission to add a separate application fee, broker fee, membership charge or “instant funding” cost. Compare the cash delivered, the interest dollars, the maturity date and the total amount due.
The same section states that payday loans shall incur interest only and that no other charges or fees may be collected. A payment processor, affiliate or lead form cannot be used to relabel a finance charge as a technology, verification or access fee. If the written price exceeds the 36% ceiling or adds an unlisted charge, pause the application and request a corrected disclosure. A provider that knowingly violates the chapter may lose the right to recover charges, and an unlicensed or unlawful contract can be void under the enforcement provisions.
Use the number of days in the agreement when annualizing cost. A 36% rate over a short term can still remove a meaningful amount from the next paycheck, especially when rent, utilities, food and other debits fall on the same date. Borrow Radar’s calculator shows the arithmetic; it cannot determine whether a creditor qualifies for an exemption or whether the transaction is affordable.
For a payday loan, treat 36% APR as the outer ceiling and interest as the only permitted charge. Reject any quote that adds a service, broker, membership, insurance or “release” fee to the interest calculation.
Written agreement, warnings and payment receipts
Before disbursing a payday loan, the lender must provide a clear printed notice that the product is not intended to meet long-term financial needs and should be used only for short-term cash needs. The loan must be evidenced by a written agreement signed and dated the same day it is made and disbursed. Ask for a copy before authorizing an electronic debit, and make sure the legal lender, principal, rate, amount, maturity and payment method match the marketing page.
A borrower may make partial payments before maturity in increments of at least $50 without a charge. The lender must provide a signed and dated receipt for each payment that states the remaining balance. Keep those receipts with bank statements and the original agreement. If an online portal shows only a changing balance without a downloadable ledger, request the statutory receipt in writing and record the date of the request.
The 60-day payday-loan cooling-off rule
New Hampshire bars a payday lender from making a loan to a borrower who currently has an outstanding payday or title loan, or who had one outstanding during the previous 60 days. The application must include a written statement under oath confirming that the borrower is not in either situation. This is a meaningful cooling-off rule: a second brand, affiliate or “renewal” form should not be used to keep the same payday debt circulating.
Affordability, exemptions and prohibited workarounds
Chapter 399-A exempts banks, trust companies, insurance companies, savings associations and credit unions that are lawfully operating under state or federal authority. The exemption belongs to the qualifying institution and its loan, not automatically to a fintech brand, broker or lead generator that advertises beside it. Identify the chartered creditor and the regulator responsible for the final agreement before relying on an exemption or a different rate framework.
The chapter’s anti-evasion language covers devices, subterfuges, affiliates and agents used to avoid regulation. A company should not split one cost across a lender, marketing partner and payment service to make the 36% ceiling appear lower. A demand for an upfront payment, a request to buy insurance to receive funds, or a promise to “unlock” a loan after a gift-card or wire transfer is a strong fraud warning. Legitimate lenders do not need a borrower to pay money first to release loan proceeds.
Online applications, privacy and complaint records
A New Hampshire resident may encounter a lead generator before seeing a licensed lender. Read the privacy policy and consent language for credit-report inquiries, bank-account connections, recurring ACH debits, marketing partners and onward sharing. Record the legal names, physical addresses and customer-service numbers shown at each step. If a referral page never identifies the creditor or discloses the rate and maturity, treat the result as a research lead rather than an approval.
The Banking Department accepts complaints about non-bank financial services and points consumers to NMLS Consumer Access for license and enforcement-history checks. Submit the agreement, screenshots, payment receipts and a dated timeline; for unauthorized debits or identity theft, also contact your bank and the appropriate federal agency.
A practical New Hampshire verification checklist
A matched result is not a legal conclusion. Finish the review only when the actual creditor, license, rate, interest-only price, maturity, cooling-off certification and payment receipts are clear. New Hampshire’s rules are designed to make a short-term product legible; use that information to decide whether borrowing is necessary and whether the repayment date is realistic.
- Search the legal creditor and any broker or servicer in NMLS Consumer Access; confirm the New Hampshire license category and current status with the Banking Department.
- Ask for the signed, same-day written agreement and confirm the principal, 36% APR or lower rate, maturity date, interest dollars and payment method.
- Reject separate service, broker, membership, insurance, verification or release fees because a payday loan may charge interest only.
- Check that the application does not ask you to certify around an outstanding payday or title loan or one taken within the previous 60 days.
- If paying early, use $50-or-more increments when appropriate and keep every signed receipt showing the remaining balance.
- Compare the due-date debit with essentials and other obligations; if the payment would destabilize the budget, ask creditors for a hardship arrangement or contact a nonprofit counselor before borrowing.
New Hampshire payday-loan FAQ
- Question 1Are payday loans legal in New Hampshire?
- Answer
Yes, but only through a business licensed under RSA Chapter 399-A. The rules apply to loans made in New Hampshire or to consumers located there, including online transactions.
- Question 2What is the maximum APR for a New Hampshire payday loan?
- Answer
RSA 399-A:17 sets a 36% annual percentage rate ceiling. A payday loan may charge interest only; separate service, broker or membership fees are not permitted.
- Question 3Can a New Hampshire payday lender charge an application fee?
- Answer
Not for a payday loan under RSA 399-A:17, which says no other charges or fees may apply to or be collected. Ask the lender to identify any claimed exemption in the written agreement.
- Question 4How soon can I take another payday loan in New Hampshire?
- Answer
A payday lender cannot lend to a borrower with an outstanding payday or title loan, or one that was outstanding during the prior 60 days. The borrower must certify this in writing under oath.
- Question 5Where can I verify or report a New Hampshire lender?
- Answer
Search the legal entity through NMLS Consumer Access and contact the New Hampshire Banking Department. Include the agreement, disclosures, payment records, screenshots and a dated account of what happened.