Payday Loans in New Hampshire
- Loans up to $500
- From a direct lender
- Apply online or in-store
- No minimum credit score required
- Private and secure process
Why Trust Us?
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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Sudden expenses, such as car repairs, medical treatment, or unexpected bills, may appear at any moment. If you need urgent cash to cover them, 1F Cash Advance offers a fast and easy solution. We believe bad credit doesn’t define you. That’s why we provide payday loans in New Hampshire with guaranteed approval for borrowers who meet our simple requirements. Apply online or visit our Manchester store for instant funding.
How Does It Work?
You can obtain 1F Cash Advance payday loans in just 3 simple steps:
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Submit your application. Fill in your details online, visit our location, or call (603) 716-9294.
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Get approved. Our automated system will verify your data quickly and send you a loan decision in minutes.
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Receive the funds. If approved, you will get the money via a direct deposit on the same or next business day*.
*Apply by 10:30 am ET on weekdays for same-day funding. Later, weekend, or holiday requests are processed the next business day.
What Do I Need to Qualify
Here is the basic information and documents we need to approve your application:
- Age proof (at least 18 years old)
- Valid US-issued photo ID
- Social Security number
- Active bank account details
- Proof of income
- Proof of New Hampshire address
- Valid email and phone number
New Hampshire Payday Loan Rules and Regulations
Payday loans in New Hampshire are legal yet strictly regulated. State laws effectively limit payday loan APR to 36%. The maximum finance charge is $1.38 per $100 advanced for a 14-day loan. The maximum amount you can borrow is $500. The repayment terms range from 7 to 30 days. No rollovers or renewals are allowed. A cooling-off period between two loans is 60 days.
Here’s an example of a fee schedule for a 14-day payday advance:
| Amount Advanced | Finance Charge | APR | Total Cost |
|---|---|---|---|
| $100 | $1.38 | 35.98% | $101.38 |
| $300 | $4.14 | 35.98% | $304.14 |
| $500 | $6.90 | 35.98% | $506.90 |
Find 1F Cash Advance in New Hampshire
Our payday loans are available both online and at our NH store. For personalized assistance, visit 1F Cash Advance and receive expert support from our professional team.
Whether you live in Nashua, Concord, Derry, Dover, or Rochester, you can request a loan via the website in just 5 minutes.
Looking for a small loan in another state? Check out 1F cash Advance locations near you.
Other Types of Emergency Loans
If unexpected expenses pop up, and a payday loan is not an option, here are several bad credit loans available in New Hampshire:
Installment Loans
Installment loans allow you to borrow up to $5,000 and repay the funds in affordable installments over a maximum period of 24 months. 1F Cash Advance makes it easy to finance large purchases or meet your ongoing needs while keeping payments manageable.
Title Loans
A title loan can help you cover urgent expenses by using your car as collateral. You can get up to 50% of the car’s price and still drive it while repaying the loan. The repayment period is up to 30 days. Loan default may result in car repossession.
Pawn Shop Loans
Pawn some of your valuable items and get a portion of their value without a credit check or income confirmation. A pawn shop will physically retain your belongings and give them back to you if you repay the funds within the agreed-upon period, often 30 to 60 days.
Family Loans
Borrowing from your family or friends provides an interest-free alternative to payday loans with flexible repayment terms. Just set clear deadlines and prioritize on-time repayment so as not to ruin relationships with your loved ones.
Online Personal Loans
An online personal loan may be a good option for bad credit borrowers who need a large amount to cover multiple expenses, big purchases, or major life projects. Loan amounts are usually up to $50,000, and repayment periods are between 12 and 60 months.
Credit Union Loans
Credit unions sometimes offer payday alternative loans to help bad credit members meet their urgent cash needs. Such loans allow you to borrow up to $2,000 for 1 to 12 months at an interest rate capped at 28%. A valid membership is required to qualify.
Cash Advance Apps
Loans from cash advance apps provide you with a portion of your future pay upfront, typically without charging any interest. Loan amounts are usually up to $250 or $500. The repayment is made automatically once you receive your next paycheck, often in 2 to 4 weeks.
Why Choose 1F Cash Advance
Here’s why our customers choose us.
Secure Online Application 24/7
Apply for a loan in just five minutes with a few clicks. You can do it anytime, from anywhere. Your information is protected with 2048-bit encryption for maximum security.
Professional Customer Support
Whether you need help choosing the right loan option, want someone to guide you through the application, or seek professional advice, our customer care team is always here to help.
Transparent Terms
We clearly outline the loan terms so you can fully understand all the costs associated with your loan and make an informed decision.
FAQ
Are payday loans legal in New Hampshire?
Payday loans are allowed in New Hampshire, but a small loan APR cap of 36% applies.
How fast will I get approved?
Decision-making typically takes a few minutes, as the data verification process doesn’t involve a hard credit check. You will get an almost instant response from our automated system via email.
What is the maximum amount I can borrow?
Under New Hampshire law, you can borrow up to $500 with a payday loan. If you need a higher amount, we also offer installment loans of up to $5,000. The exact sum you can qualify for will be determined based on your income, employment status, current debts, and payment history.
Can I get a loan with bad credit?
Loans from 1F Cash Advance are available to borrowers with any credit. We don’t set minimum credit score requirements and assess your overall financial situation when making a loan decision.
What if I miss a due date?
Late or missed payments may result in a one-time NSF fee and cause credit consequences if you default. If you face problems with repayment, contact the number specified on your loan agreement and ask about the options available.
Will applying for a loan affect my credit?
Our loans come with no hard credit check via major credit bureaus. Your data will be reviewed via alternative third-party credit agencies. Such an inquiry is not shown on your credit report and does not impact your FICO rating.