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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Title Loans Union Editorial Team
Consumer Finance & State Regulations Research
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