Restricted Verified 2026-09-07 · ver. 0.2.3 How we verify these rules

Payday Loans in New Hampshire

New Hampshire permits a tightly restricted payday product: principal is capped at $500, APR at 36%, a check/debit payday term runs 7–30 days, no additional payday fees are allowed, and renewal/refinancing is prohibited.

New Hampshire legal category: Payday Loan under RSA 399-A · New Hampshire RSA Chapter 399-A, especially §399-A:17

New Hampshire payday loans at a glance

Legal status
Restricted
Legal category
Payday Loan under RSA 399-A
Maximum amount in this regime
$500
Term
7–30 days
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.

$200–$500 Current guide

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.

$500–$5,000

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.

See Installment Loans

Amount and term limits

The principal amount of a New Hampshire payday loan may not exceed $500.

For a payday loan evidenced by a check or account-debit authorization, maturity must be at least 7 days and no more than 30 days after the loan is made.

Interest, fees and repayment

The payday APR may not exceed 36%.

Payday loans may incur interest only. RSA 399-A:17 bars additional payday charges or fees.

The product is a short-term payday loan with the principal, interest and due date stated in the written agreement. Partial payments of at least $50 are permitted without charge.

Rollovers, refinancing and early payment

Rollover allowed?
No
A payday lender may not refinance, renew, or extend a payday loan. The lender also may not make a payday loan to a borrower who currently has, or had within the previous 60 days, an outstanding payday or title loan.
Prepayment penalty allowed?
No
A borrower may prepay a payday loan in whole or in part before maturity without charge. The borrower also has a next-business-day cancellation right by repaying the amount advanced.

New Hampshire borrower protections

  • Maximum payday principal is $500.
  • APR may not exceed 36% and no additional payday fees may be collected.
  • Refinancing, renewal and extension are prohibited.
  • A borrower with a current payday/title loan, or one within the previous 60 days, is not eligible for another payday loan.
  • Borrowers may cancel by the close of the next business day and may prepay without charge.

New Hampshire loan cost calculator

Why there is no single statutory calculator: Although the 36% APR cap is simple, exact dollar interest depends on the actual term and contract. The page also needs to preserve the $500 principal, no-fee, no-renewal and 60-day eligibility rules.

How to verify a lender in New Hampshire

Regulator: New Hampshire Banking Department.

Small Loan / Payday Lender license under RSA 399-A

Verify a lender license

Official sources

  1. New Hampshire RSA 399-A:17 — Payday Loan Lenders · primary
  2. 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.