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Best Personal Loans in New Hampshire

LightStream offers the best personal loans in New Hampshire. This company offers same-day funding, a high maximum loan amount and no fees.

However, depending on your needs, a different lender may be the best for you. The best lender for consolidating debt is Upgrade, while Best Egg is ideal for home improvement. For borrowers with bad credit, we recommend Upstart, while those with good credit may receive the best loan from SoFi.

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Last Updated: 11/22/2022
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MoneyGeek’s Best Personal Loan Lender in New Hampshire: LightStream

The right lender and loan terms for your situation are imperative when getting a personal loan. MoneyGeek analyzed more than 30 data points to determine which lenders offer the best personal loan in New Hampshire for different borrower profiles. We took into account BBB ratings, loan amounts, repayment term lengths, interest rates, origination fees, penalties and minimum requirements.

Best Overall Personal Loan Lender in New Hampshire: LightStream

  • LightStream

    • 4.49% to 20.49%APR Range
    • 660Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 24 to 84 monthsRepayment Terms
    • Same DayTime to Receive Funds

    on LightStream Website

Best Personal Loan Lender for Bad Credit in New Hampshire: Upstart

  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    on Upstart Website

Best Personal Loan Lender for Good Credit in New Hampshire: SoFi

  • SoFi

    • 5.74% to 20.28%APR Range
    • 680Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 12 to 60 monthsRepayment Terms
    • Two DaysTime to Receive Funds

    on SoFi Website

Best for Debt Consolidation in New Hampshire: Upgrade

  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds

    on Upgrade Website

Best for Home Improvement in New Hampshire: Best Egg

  • Best Egg

    • 4.99% to 35.99%APR Range
    • 700Minimum Credit Score
    • $2,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    on Best Egg Website

How to Choose the Best Personal Loan Lender in New Hampshire for You

Getting a personal loan in New Hampshire is beneficial for various situations, such as debt consolidation, home improvement or even to cover moving costs. In 2021, about 19.4 million Americans had a personal loan, according to Lending Tree.

In New Hampshire, the average personal loan debt is $19,189. You must consider several factors before taking out a personal loan. These include your credit score, income and existing debts.

To make sure getting a personal loan is a good decision, follow the steps below.


Ask Yourself the Important Questions

Before applying for a personal loan, it’s vital to review your financial profile and current debts. That way, you can determine whether a personal loan is the right choice for you. Consider these questions:

  • How much funding do you need? Determine the amount you need. For example, how much is the large purchase you need to make? And, given your income and credit score, is a lender likely to lend it to you?
  • What is your credit score? Lenders consider your creditworthiness when reviewing your application. While a poor credit score is accepted by some companies, you qualify easier for a personal loan in New Hampshire if you have good to excellent credit.
  • Can you afford the monthly payment? Evaluate your current bills and determine if you can afford the monthly payment based on your current income. If you’re unable to pay monthly, you’ll incur late fees and ruin your credit score.
  • How much debt do you already have? If you’re already paying off existing debt, like a credit card or student loan, adding another may create a tight financial situation for you.

Do Your Research

Conducting research is important when you’re considering a personal loan. It can help you understand your options and learn more about prospective lenders. For example, some companies conduct a hard credit inquiry, which can affect your credit score. Meanwhile, others have restrictions on your usage of funds.

Make sure to compare rates from different lenders to determine the best option for your needs and situation. MoneyGeek’s guide provides helpful information you can use when shopping for a personal loan. However, our recommendations may not cover your unique situation. As such, doing your own research and exploring other lenders not included here is beneficial to finding the right option for you.



Since a personal loan is a big commitment, you need to be absolutely sure that you’re making the right choice. After doing your research, let your findings marinate for a day or two. Think everything over. That way, your decision is informed without any recency bias.


Read the Fine Print

Before deciding to pursue a personal loan, read and understand the fine print to avoid surprises, such as an origination fee. Plus, some lenders charge you for paying late, while others charge you if you decide to pay your loan off early. Knowing the loan terms in the fine print can help you save money in the long run.



Once you are 100% sure about your preferred lender and have the requirements ready, you can submit your application. Typically, lenders require identification, address verification and proof of income during the application process. Some have an online application, but there’s no harm in calling or visiting your chosen lender in person if available.

What To Do if You Can’t Get a Personal Loan in New Hampshire

If you are denied a personal loan in New Hampshire, it’s best to evaluate your situation before making the next move. Find out the exact reason for application denial. Some lenders deny personal loans due to low credit scores, insufficient income or high debt-to-income ratios.

Don’t hesitate to contact your lender to understand what affected their decision. Afterward, ask if there’s a way you could modify your application to make it more acceptable. For example, decreasing the loan amount or shortening the loan term.

If the outcome remains unchanged, you can always try applying to a different lender. But it’s better to improve the factor that caused your loan application to be denied in the first place before taking this route. Also, if lenders perform hard credit inquiries, applying to multiple could lower your credit score, making it more difficult to get a loan.

Also, be careful of attractive borrowing options like payday loans. These are small loans that are typically repaid within two to four weeks. While they can provide cash quickly, they tend to have a high interest rate.

Frequently Asked Questions About Personal Loans in New Hampshire

The best personal loan lender for you depends on your particular needs and credit and income factors. MoneyGeek answers some frequently asked questions about personal loans in New Hampshire to help you find the best option for you.

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We reviewed more than 30 personal loan lenders using 35+ individual data points across six key categories: loan affordability, accessibility, consumer friendliness, customer service, flexibility and lender transparency.

Within each ranking criteria category, we considered several individual data points that we feel carry the most weight when choosing a personal loan lender. These factors include APR ranges, available loan amount, minimum credit score, minimum income amount, application fees and disbursement time.

Here at MoneyGeek, we value you, the consumer, so we also factor in each lender’s customer support, business ratings and additional features that could make your experience easier and more accessible — like prequalification, payment options and mobile apps.

After careful consideration and calculation, our picks are decided and chosen with your best interest in mind. Our personal loan recommendations and expert tips are meant to help you make the best decision when choosing a lender that meets your needs.


The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity.