Car Title Loans in New Hampshire2026 Guide
New Hampshire allows title loans with a 36% APR cap.
Legal Status & Regulations
Governing Law
NH Rev. Stat. § 399-A
Last Reviewed: April 2026
Law Summary
New Hampshire title loans are governed by the Small Loan Lenders Act (NH Rev. Stat. § 399-A). Interest rates are capped at 36% APR for loans up to $10,000. Lenders must be licensed by the Banking Department and are required to provide clear disclosures, a written contract for every loan, and follow strict rules regarding repossession. New Hampshire law requires that lenders provide a notice of default and a 10-day right to cure before repossession can occur. If a vehicle is repossessed, the lender must provide a notice of intent to sell and allow the borrower to redeem the vehicle by paying the full amount due. Any surplus from the sale of a repossessed vehicle must be returned to the borrower.
Real Rate Example in New Hampshire
A $1,500 loan in New Hampshire at a typical market rate of 36% APR APR over 30 days would result in approximately $150 in interest and fees. Always compare multiple offers to find the most competitive rate.
What Documents You Need
- A clear vehicle title in your name
- A valid government-issued ID (Driver's License)
- Proof of residency (Utility bill, etc.)
- Proof of income or ability to repay
- The vehicle itself for a quick inspection
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Max Loan Amount
$10,000
Max APR / Rate
36% APR
Loan Term Range
Varies
Governing Body
NH Banking Department