Car Title Loans in New Hampshire2026 Guide
Car title loans are legal in New Hampshire under the Small Loan Lenders Act (NH Rev. Stat. § 399-A) with interest rates capped at 36% APR for loans up to $10,000. Learn licensing rules and borrower rights in 2026.
Legal Status & Regulations
Governing Law
NH Rev. Stat. § 399-A
Last Reviewed: April 2026
Law Summary
New Hampshire regulates car title loans under the Small Loan Lenders Act (NH Rev. Stat. § 399-A), overseen by the New Hampshire Banking Department. Interest rates on loans up to $10,000 are strictly capped at 36% APR. Lenders must be state-licensed, issue written loan contracts, provide a mandatory 10-day right to cure before repossession, and return any surplus equity from vehicle sales.
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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Title Loans Union Editorial Team
Loan Regulations & Guides
Our editorial team monitors state statutes, interest rate ceilings, and car title loan regulations across all 50 states. We analyze legal statutes, state regulatory filings, and consumer protection policies to provide clear, unbiased analysis of borrowing requirements and costs.
*Last reviewed: June 2026. Always verify with your state's financial regulatory body before applying. Laws change frequently.
Quick Info Card
Max Loan Amount
$10,000
Max APR / Rate
36% APR
Loan Term Range
Varies
Governing Body
NH Banking Department