Nashua at a glance
- Population: the Census estimates 91,003 residents, ranking 2nd of 13 places in New Hampshire (Vintage 2023).
- 2020 Census base: 91,334 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 0.4% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among New Hampshire places: 2nd largest of 13 (US Census Bureau).
- Size percentile: ahead of around 85% of New Hampshire places in population terms (US Census Bureau).
- Coordinates: mapped at 42.7491, -71.4905 by the US Census Bureau Gazetteer.
- Nearest larger cities: Lowell, MA (11 mi); Manchester, NH (16 mi); Cambridge, MA (32 mi); Lynn, MA (33 mi); Worcester, MA (37 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Lawrence, MA (17 mi); Fitchburg, MA (19 mi); Haverhill, MA (21 mi), each a US Census place.
What a personal loan costs in Nashua
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
New Hampshire lending rules that apply in Nashua
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| Maximum legal interest rate (usury cap) | 10% per year in business transactions absent a written agreement; consumer credit transactions excluded Source says: "The annual rate of interest in all business transactions in which interest is paid or secured, unless otherwise agreed upon in writing, shall equal 10 percent." | New Hampshire General Court (New Hampshire Revised Statutes Annotated) as of 2026-09-16 |
| Payday lending status | Legal; annual percentage rate capped at 36% (RSA 399-A:17) Source says: "The annual percentage rate for payday loans shall not exceed 36 percent." | New Hampshire General Court (New Hampshire Revised Statutes Annotated) as of 2026-09-16 |
| Small-loan / installment lender licensing | Small loan, payday, and title loan lenders must be licensed by the banking department (RSA 399-A:2) Source says: "No person shall engage in the business of a small loan lender in this state ... without first obtaining a license from the commissioner" | New Hampshire General Court (New Hampshire Revised Statutes Annotated) as of 2026-09-16 |
| State lending regulator | New Hampshire Banking Department Source says: ""Department" means the banking department." | New Hampshire General Court (New Hampshire Revised Statutes Annotated) as of 2026-09-16 |
| Small loan APR cap (RSA 399-A:16) | Small loans other than payday or title loans: annual percentage rate capped at 36% Source says: "The annual percentage rate for small loans shall not exceed 36 percent." | New Hampshire General Court (New Hampshire Revised Statutes Annotated) as of 2026-09-16 |
How to compare offers in Nashua
Run through this list before signing anything in Nashua:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in New Hampshire using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.