Good to excellent credit
American Express
- Credit profile
- Excellent
- APR range
- 6.99% – 19.99%
- Loan amount
- $3,500 – $40,000
Personal finance / NH
Personal loans, banking, insurance, and debt help in New Hampshire
New Hampshire residents use personal loans for debt consolidation, unexpected expenses, home improvement, and major life events, under an unusually permissive "agreed rate" framework for most loans up to $10,000.
28lenders in the dataset
NHstate guide
$1,090/yraverage homeowners premium in dataset
51jurisdictions in the dataset
01 / Personal loans
Personal loans in New Hampshire
New Hampshire residents use personal loans for debt consolidation, unexpected expenses, home improvement, and major life events, under an unusually permissive "agreed rate" framework for most loans up to $10,000.
Interest-rate law
Small loans other than payday or title loans (up to $10,000 aggregate per lender) are treated on an "agreed rate" basis with no stated statutory ceiling. Loans above that scope fall to the general usury law, also uncapped for written contracts. Payday loans specifically are capped at a flat 36% APR.
| Loan range | Rate | Statute |
|---|---|---|
| Up to $10,000 aggregate per lender | Agreed rate, no statutory ceiling | RSA 399-A:16 |
| Above $10,000 | Uncapped for written contracts | General usury law |
| Payday loans | 36% flat APR | RSA 399-A:17 |
Lender complaints: New Hampshire Banking Department
02 / Lender directory
Lenders by credit profile
Good to excellent credit
Axos Bank
- Credit profile
- Excellent
- APR range
- 11.79% – 20.84%
- Loan amount
- $7,000 – $50,000
Good to excellent credit
Citi
- Credit profile
- Good - Excellent
- APR range
- 9.99% – 17.49%
- Loan amount
- $2,000 – $30,000
Good to excellent credit
Discover
- Credit profile
- Good - Excellent
- APR range
- 6.99% – 24.99%
- Loan amount
- $2,500 – $40,000
Good to excellent credit
Happy Money
- Credit profile
- Good
- APR range
- 7.95% – 35.99%
- Loan amount
- $5,000 – $50,000
Good to excellent credit
LightStream
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.39%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
M&T Bank
- Credit profile
- Not specified
- APR range
- 7.74% – 13.94%
- Loan amount
- $2,000 – $5,000
Good to excellent credit
PenFed
- Credit profile
- Good
- APR range
- 7.99% – 17.99%
- Loan amount
- $500 – $50,000
Good to excellent credit
Prosper
- Credit profile
- Good
- APR range
- 8.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Good to excellent credit
Reach Financial
- Credit profile
- Not specified
- APR range
- 5.99% – 35.99%
- Loan amount
- $3,500 – $40,000
Good to excellent credit
Rocket Loans
- Credit profile
- Good
- APR range
- 8.01% – 29.99%
- Loan amount
- $2,000 – $45,000
Good to excellent credit
Santander
- Credit profile
- Not specified
- APR range
- 7.99% – 24.99%
- Loan amount
- $5,000 – $50,000
Good to excellent credit
SoFi
- Credit profile
- Good - Excellent
- APR range
- 8.74% – 35.99%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
USAA
- Credit profile
- Good - Excellent
- APR range
- 9.89% – 18.51%
- Loan amount
- $2,500 – $100,000
Good to excellent credit
Wells Fargo
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.99%
- Loan amount
- $3,000 – $100,000
Fair credit
60MonthLoans
- Credit profile
- Fair
- APR range
- 25% – 36%
- Loan amount
- $2,600 – $10,000
Fair credit
Achieve
- Credit profile
- Fair
- APR range
- 6.25% – 35.99%
- Loan amount
- $5,000 – $50,000
Fair credit
Avant
- Credit profile
- Poor to Good
- APR range
- 9.95% – 35.99%
- Loan amount
- $2,000 – $35,000
Fair credit
Best Egg
- Credit profile
- Fair
- APR range
- 6.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Fair credit
Happen Bank (formerly LendingClub)
- Credit profile
- Fair
- APR range
- 7.04% – 35.99%
- Loan amount
- $1,000 – $60,000
Fair credit
LendingPoint
- Credit profile
- Fair
- APR range
- 7.99% – 35.99%
- Loan amount
- $1,000 – $36,500
Fair credit
Navy Federal Credit Union
- Credit profile
- Fair - Excellent
- APR range
- 8.74% – 18%
- Loan amount
- $250 – $50,000
Fair credit
Oportun
- Credit profile
- Fair
- APR range
- N/A – 35.95%
- Loan amount
- $300 – $10,000
Fair credit
TD Bank
- Credit profile
- Fair - Excellent
- APR range
- 9.99% – 23.99%
- Loan amount
- $2,000 – $50,000
Fair credit
Upgrade
- Credit profile
- Fair
- APR range
- 7.74% – 35.99%
- Loan amount
- $1,000 – $50,000
Fair credit
Upstart
- Credit profile
- Fair
- APR range
- 6.20% – 35.99%
- Loan amount
- $1,000 – $75,000
Poor or limited credit
OneMain Financial
- Credit profile
- Poor
- APR range
- 18% – 35.99%
- Loan amount
- $1,500 – $20,000
Poor or limited credit
OppLoans
- Credit profile
- Poor
- APR range
- 160% – 195%
- Loan amount
- $500 – $5,000
03 / Debt consolidation
Debt consolidation
Since New Hampshire doesn't cap rates on small loans up to $10,000 the way most states do, there's no legal ceiling protecting borrowers from a debt consolidation loan priced at or above their existing credit card APR; shopping around and comparing the actual math matters more here.
04 / Banking and credit unions
Banking in New Hampshire
National banks offer scale and convenience, while New Hampshire-based regional and community banks compete on relationship banking and faster local lending decisions.
Banks listed
- TD BankU.S. headquarters in Cherry Hill, NJ.
- Bank of AmericaNational bank.
- Citizens BankHeadquartered in Providence, RI.
- Bar Harbor Bank & TrustHeadquartered in Bar Harbor, ME, with a New Hampshire presence.
- Camden National BankHeadquartered in Camden, ME.
Credit unions
New Hampshire's credit unions are member-owned, not-for-profit institutions that often post lower loan rates and fewer fees than comparable bank products, with membership tied to living, working, or having other ties to a specific group.
About 8.0% year-over-year median membership growth (Q4 2025 NCUA data), the strongest figure in this comparison, alongside the highest median asset and deposit growth of any state in the most recent reporting period.
The birthplace of the American credit union movement: St. Mary's Bank (originally St. Mary's Cooperative Credit Association) opened in Manchester in November 1908, organized by a parish priest to serve French-Canadian millworkers, becoming the first credit union in the United States, predating the 1909 Massachusetts Credit Union Act.
Federally insured credit union deposits are protected up to $250,000 through the National Credit Union Share Insurance Fund.
Credit unions listed
05 / Debt settlement
Debt settlement
Legal and licensed through the Nationwide Multistate Licensing System; "debt adjusters," covering debt management, settlement, and repayment plans, are licensed under N.H. RSA 399-D and regulated by the New Hampshire Banking Department. No clearly documented fee cap; the federal Telemarketing Sales Rule's ban on advance fees is the baseline protection.
Companies listed in the dataset
06 / Insurance
New Hampshire insurance
Regulator
New Hampshire Insurance Department
Insurance regulator websiteAuto insurance
25/50/25
New Hampshire is the only state that does not require drivers to carry auto insurance at all; instead, drivers must demonstrate financial responsibility (insurance or a bond/cash deposit). If carrying insurance, the state's financial responsibility law sets minimums of $25,000 per person / $50,000 per accident bodily injury liability plus $25,000 property damage liability.
Homeowners and renters
$1,090/yr
- State requirement
- No
- National homeowners average
- $1,337/yr
- Renters average
- $145/yr
New Hampshire carries exposure to nor'easters, heavy winter snow/ice loads, and occasional spring snowmelt flooding along its rivers.
07 / Questions
New Hampshire FAQs
How do I file a complaint against a lender in New Hampshire?
Contact the New Hampshire Banking Department, which licenses and supervises consumer lenders operating in New Hampshire.
How do I file a complaint against my insurance company in New Hampshire?
File with the New Hampshire Insurance Department.
What's the maximum interest rate a lender can legally charge on a personal loan in New Hampshire?
For most personal loans up to $10,000 in aggregate per lender, there's no statutory ceiling; RSA 399-A:16 treats these as "agreed rate" loans. Larger loans remain uncapped under the general usury law for written contracts. The one hard cap is on payday loans specifically, at 36% APR.
What credit score do I need for a personal loan in New Hampshire?
It depends on the lender. Banks and credit unions typically want a FICO score of 700+; FinTech lenders work with fair credit (low-to-mid 600s); some lenders serve poor or limited credit at higher APRs.
Are payday loans legal in New Hampshire, and are there caps on fees or loan amounts?
Yes, but tightly capped at a flat 36% APR under RSA 399-A:17 (effective January 1, 2009), with a $500 maximum loan amount, one loan per borrower at a time, and a 60-day cooling-off period. There are currently no licensed payday lenders operating in New Hampshire, storefront or online.
How long can a debt collector legally pursue an unpaid debt in New Hampshire before the statute of limitations runs out?
3 years for most debt, including written contracts, oral contracts, and open accounts (RSA 508:4). Negotiable promissory notes get a 6-year window (RSA 382-A:3-118); contracts under seal or domestic judgments get a 20-year window (RSA 508:5). Payment or written acknowledgment can restart the 3-year clock.
What's the difference between a debt consolidation loan and debt settlement for someone living in New Hampshire?
A debt consolidation loan pays off debts in full with newly borrowed money at a fixed schedule, letting credit recover quickly. Debt settlement negotiates reduced balances but requires stopping payments first, damaging credit, and forgiven amounts can be taxable. In New Hampshire, where personal loan rates aren't capped up to $10,000, comparing the actual math matters even more.
