Looking for an Unsecured Personal Loan in New Hampshire?
Has it been nearly a decade since you were able to take your last vacation? Is it about time to take another one? Well, sure it is! You work hard to support your family and you are well overdue for a week-long break. Problem: you just don’t have the money to afford a vacation. That has been the problem for the past 10 years, but now you are determined to treat the ones you love. Our Loan Discovery Program can find you the money you need to enjoy a split from the hustle and bustle of life. Let us help you slow down and relax.
What about taking your family on a road trip — a road trip that will require you to repair your current vehicle or purchase a new one. You never could build up the down payment for a new vehicle, nor could you afford such expensive repairs as your car may be needing. With an unsecured personal loan through Loans Now, not only could you qualify for the down payment amount, you might even qualify for the full amount of a reliable vehicle. Enjoy the open road and the towns between here and there like you’ve always wanted to.
Unsecured Loans for People with Bad or No Credit
Can you really qualify for a vacation loan if you currently have bad credit? People with bad credit need a break too. They need an opportunity to explore the country or another country of their choice. You deserve to have that vacation as much as anyone. Make the time NOW and fill out our loan discovery questionnaire. It only takes 60 seconds to get you started and you can have the money in as little as 24 hours (visit our How it Works page to learn more). You can then use that money to do the following:
- Take a cruise of the Caribbean or Alaska
- Travel from East Coast to West Coast in your repaired or reliable car
- Explore Greece or Italy for a week
- Tour the great national parks of America
- Swim and surf in the Pacific Ocean around Australia or New Zealand
While your credit score is a component of the decision-making process, it is not the only one. Our dedicated team members use your score in conjunction with other aspects, including your current situation, to find lenders who can provide you with the money you need to take that vacation you are wanting. Check your credit score before getting started; the bad credit you thought was going to hinder your chances of receiving a loan for your road trip or cruise may not be as bad as you think. That can only help you in your endeavor.
New Hampshire Prospers — Mostly
For such a small state, only 190 miles x 50 miles, New Hampshire is pretty well off. Even with a higher-than-average cost of living, residents of the state live well-enough on household salaries averaging $71,000. This is well above the national average household income of $58,500. The state also boasts an extremely low poverty rate of 7%, which is half the average of the entirety of the United States. New Hampshire also ranks high amongst its 49 other states for education, leading to a highly educated, highly productive workforce. In terms of safety, the state experiences a low number of violent crimes, coming in 2nd in this category. A productive and educated populace has led to a content populace as well.
What New Hampshire struggles with is a similar issue that several of the other New England states suffer. Because of their age, dating back nearly four hundred years, the infrastructure of these states is beginning to fall into disrepair, much more so than the majority of the nation. New Hampshire roads are not in that better a shape than the bridges. Road and bridge construction projects are going to be separated by lengthy periods of time until the state puts more of an emphasis on them. With this scenario, men and women in construction could find themselves struggling to pay the bills from time to time. When this happens, Loans Now can help you keep your family afloat until the next project begins.
New Hampshire Laws and Regulations for Bad Credit Personal Loans
The State of New Hampshire is relaxed in its laws concerning interest rates. At current, the state does not have a maximum limit on the amount of interest allowed to be charged on a personal loan, as long as it is written in a contract for the loan. In lieu of a contract, a lender is limited to a rate of 10% (New Hampshire Revised Statutes Title 31, § 336:1). This is rarely the case, typically when an individual borrows from someone they know. In most instances, borrowing from a lending company will include a written contract with the terms of the loan presented within, including the interest rate.
Since there is not an established usury rate of interest in the state statutes, there is no penalty for lenders charging exorbitant fees. Competition in the market should keep interest rates under control. However, there may be the occasional lender who will try to take advantage of people in financial distress. Consumers will need to be cautious when seeking a personal loan in New Hampshire to make sure they do not end up with an interest rate that is above a reasonable percentage.
Loans Now: Core Policies & Procedures
- Never collect or share sensitive customer information: SSN, DOB, Address.
- Never collect up-front payment to process a customer’s loan application / or fund a loan. Loans Now will NEVER ask you to send us money in any form.
- Introduce customers to our Loan Discovery Process. A one-on-one loan service strategy that fits every customer’s unique needs with the right lender for them
New Hampshire Personal Loan for Bad Credit Lending Regulator
Regulation of the finance industry in New Hampshire falls to the Banking Department. This department issues licenses to all depository (banks, credit unions) and non-depository (mortgage lenders, consumer finance) institutions. It also handles any complaints made against a state-licensed organization, including investigations into an institution’s practices and rescinding of their license.
- Loan Discovery Process
- Credit Scores Reviewed to 450
- 2, 3, 5 & 7 Year Terms
- Loan Amounts $500 - 70K