Installment Loans in New Hampshire
New Hampshire regulates broader small loans up to $10,000 under RSA 399-A. Non-payday/non-title small loans are capped at 36% APR, and a loan with a term of at least six months and APR no higher than 36% is outside the payday/title definition.
New Hampshire legal category: Small Loan under RSA 399-A · New Hampshire RSA Chapter 399-A, especially §399-A:16
New Hampshire installment loans at a glance
- Legal status
- Permitted Regulated
- Legal category
- Small Loan under RSA 399-A
- Maximum amount in this regime
- $10,000
- Term
- A loan with a contractual term of at least six months and APR no greater than 36% is not treated as a payday or title loan under RSA 399-A. This page uses that longer-term small-loan route for installment intent.
- Regulator
- New Hampshire Banking Department
- Verified
- 2026-09-07
Choose a loan type by amount
PLS Cash Advance currently presents request amounts from $200 to $5,000. The ranges below are navigation guidance between our state loan guides — not statutory limits, eligibility rules, or a promise of approval.
Payday Loans in New Hampshire
Editorial route aligned with the $500 statutory payday principal ceiling. Requests above $500 route to the small-loan/installment guide.
Installment Loans in New Hampshire
Editorial longer-term route within the broader $10,000 statutory small-loan framework. $5,000 is the site selector boundary, not a statutory maximum.
Amount and term limits
RSA 399-A regulates qualifying small loans up to $10,000. PLS Cash Advance uses only the $500–$5,000 portion of its current selector for this longer-term route.
A loan with a contractual term of at least six months and APR no greater than 36% is not treated as a payday or title loan under RSA 399-A. This page uses that longer-term small-loan route for installment intent.
Interest, fees and repayment
The APR for a non-payday/non-title small loan may not exceed 36%.
For statutory APR calculation, one application fee up to $100 per borrower per year and one participation or membership fee up to $100 per borrower per year are excluded as specified by §399-A:16.
The route represents a longer-term small loan rather than a 7–30 day payday product; the exact installment schedule is set by the contract subject to RSA 399-A.
Rollovers, refinancing and early payment
- Rollover allowed?
- Not reduced to a yes/no rule
Renewal/refinancing must comply with RSA 399-A and the written contract; no payday-style rollover model is encoded. - Prepayment penalty allowed?
- Not reduced to a yes/no rule
No universal prepayment-penalty claim is made beyond the protections expressly encoded for the applicable contract.
New Hampshire borrower protections
- Qualifying small-loan principal is capped at $10,000 under RSA 399-A.
- APR may not exceed 36% for non-payday/non-title small loans.
- The statute limits the application and participation/membership fees excluded from its APR calculation.
- Licensing applications are processed through NMLS and overseen by the New Hampshire Banking Department.
New Hampshire loan cost calculator
How to verify a lender in New Hampshire
Regulator: New Hampshire Banking Department.
Small Loan Lender license under RSA 399-A
Official sources
- New Hampshire RSA 399-A:16 — Small Loans Other Than Payday or Title Loans · primary
- New Hampshire RSA Chapter 399-A — Regulation of Small Loans, Title Loans, and Payday Loans · primary
- New Hampshire RSA 399-A:4 — Application and NMLS licensing · primary
Last regulatory verification: 2026-09-07. Laws can change; verify current terms and lender status before borrowing. Read our research methodology.