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Payday loan laws in New Hampshire

  • Status: Legal (N.H. Rev. Stat. Ann. 399-A:1 et seq.)
For Lenders

Lending specifications:

  • Maximum loan amount: $500
  • Loan tenure: 7-30 days
  • Fees and finance charges: 36% yearly interest
  • Finance charge on a 14-day $100 loan: $1.38
  • APR on 14-day $100 loan: 36%

Collection restrictions:

  • Criminal procedures: Prohibited
For Borrowers

Debt limits:

  • Maximum no. of outstanding loans at a time: One
  • Rollovers allowed: None
  • Cooling-off phase: 60 days
  • Repayment plan: None

Complaint cell:

  • Regulator: New Hampshire State Banking Department
  • Address: 53 Regional Drive, Suite 200 Concord NH 03301
  • Phone: 603) 271-3561
  • Toll Free: 1-800-437-5991
  • Fax: (603) 271-1090 or (603) 271-0750
  • Regulatory contact: Glenn A. Perlow, Deputy Bank Commissioner
  • Website: http://www.nh.gov/banking/
  • File complaint: http://www.nh.gov/banking/consumer-
    assistance/complaint.htm



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    • The debt settlement program typically lasts between 6 months to 4 years time.
    • At least 30% of the debt amount per creditor needs to be accumulated in the trust account for OVLG to give the creditor any settlement offer.
    • Not all creditors or debt collectors will accept a reduction in the balance, interest rate, or fees a customer owes such creditor or debt collector.
    • Pending completion of the represented debt-relief services, the customer's creditors or debt collectors may pursue collection efforts, including initiation of lawsuits.
    • That the use of the debt-relief service will likely adversely affect the consumer's creditworthiness, may result in consumers being sued by their creditors, and may increase the amount owed to creditors as a result of the accrual of additional fees and interest.
    • Savings a customer realizes from use of a debt-relief service may be taxable income.
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