Bitcoin-Backed Loans in New Hampshire
7 of the 7 Bitcoin-backed loan lenders we track serve New Hampshire, with rates from 7.25% APR. Here is who lends in New Hampshire, who doesn't, and what each offers.
New Hampshire pairs zero state income and capital gains tax with a genuinely crypto-friendly posture, from its 2017 money transmitter exemption to becoming the first state with a strategic Bitcoin reserve law in 2025. For a resident sitting on appreciated BTC, borrowing against it avoids a federal capital gains bill entirely while the state adds no tax either way.
By Steven Han and Michael Song ·Availability verified September 15, 2026 · Verified daily · rates last changed August 22, 2026 · New Hampshire tax and regulatory review July 22, 2026
Sell or borrow in New Hampshire: the tax math
Selling Bitcoin in New Hampshire triggers only federal capital gains tax, with no state tax on top. Borrowing against your Bitcoin is not a sale, so it is not a taxable event at either the state or federal level.
New Hampshire has no general personal income tax and never taxed wages or capital gains. Its last income-style levy, the Interest and Dividends tax (3% in its final year), was fully repealed effective January 1, 2025, leaving the state with no tax on interest, dividends, or investment gains. A profit from selling Bitcoin is therefore not taxed at the state level, and NH is now the only state with neither a broad-based income tax nor a sales tax.
Important: not tax or legal advice
The tax and regulatory information on this page is general information, not tax, legal, or investment advice, and the rates shown are illustrative top-of-schedule figures, not a calculation of what you personally would owe. borrowonbitcoin.com is published by Sypher Capital; we are a publisher and affiliate referral source, not a lender, broker, registered investment advisor, tax preparer, or law firm. The state and federal figures here are compiled from public sources, including IRS Revenue Procedures, state departments of revenue and taxation, state statutes, and the Tax Foundation, and are current only as of the tax year shown; the sources are linked at the foot of this page. Tax and licensing law change, sometimes mid-year, and how any of it applies to you depends on your income, filing status, residency, cost basis, holding period, local taxes, and other facts this page does not capture, so your actual result can differ materially. The tax treatment of Bitcoin-backed loans is itself unsettled and still developing. Borrowing against Bitcoin carries its own risks, including forced liquidation of your collateral. Lender availability and a state's rules can both change; confirm current eligibility with the lender, and confirm your own tax situation with a CPA or qualified tax professional, before acting on anything here.
New Hampshire tax and regulatory facts for the 2026 tax year, last reviewed July 22, 2026. Sources are listed at the foot of this page.
Lenders available in New Hampshire
| Lender | APR | Max LTV | Custody | Eligibility note | Review |
|---|---|---|---|---|---|
 Arch | APRfrom 7.25% | Max LTVup to 60% | CustodyQualified custodian | From $5,000 | Learn More |
 SALT | APRfrom 7.49% | Max LTVup to 70% | CustodyLender-held | From $5,000 | Learn More |
 Strike | APRfrom 7.75% | Max LTVup to 50% | CustodyLender-held | From $10,000 | Learn More |
 Ledn | APRfrom 9.25% | Max LTVup to 50% | CustodyQualified custodian | From $1,000 | Learn More |
 Figure | APRfrom 9.76% | Max LTVup to 75% | CustodyLender-held | From $5,000 | Learn More |
 APX Lending | APRfrom 9.99% | Max LTVup to 60% | CustodyQualified custodian | US loans paid in USDC · $25k min | Learn More |
 Unchained | APRfrom 14.18% | Max LTVup to 50% | CustodyCollaborative multisig | Commercial only · entities · $150k min | Learn More |
Estimate your rate in New Hampshire
Borrowing $100,000 against 2.63 BTC ($200,000) is 50% LTV. BTC reference ≈ $76,000.
6 lenders serve New Hampshire at this size and LTV, lowest effective APR first. Effective APR includes origination fees.
SALTLowest APRFigureArchAPX LendingStrikeLednWhy lender coverage looks the way it does in New Hampshire
New Hampshire has no crypto-specific lending regime or BitLicense-style regulator. Since 2017 the state has exempted businesses dealing solely in convertible virtual currency from its money transmitter licensing law (RSA 399-G), so Bitcoin-backed loan availability is driven by each lender's own multistate licensing rather than a state crypto rulebook. Lenders remain subject to general consumer-protection law (RSA 358-A).
Bitcoin and crypto in New Hampshire
New Hampshire is one of the most crypto-forward states.
New Hampshire bitcoin law & policy tracker (2026)
Last reviewed · Reviewed quarterly
New Hampshire was the first state in the country to put a bitcoin reserve into law, and it has no income tax. On the two questions this tracker series keeps asking, it answers further in bitcoin's direction than anywhere else.
The docket
- Signed May 6 2025, first in the nationHB 302 (2025)
Strategic bitcoin reserve
Signed by Governor Kelly Ayotte on May 6, 2025, making New Hampshire the first US state to enact a bitcoin reserve law rather than merely propose one. It took effect 60 days later.
The treasurer may invest up to 5 percent of certain public funds in precious metals, or in digital assets that averaged a market capitalization of at least $500 billion over the last calendar year. As with the $750 billion floors used by West Virginia and Iowa, the threshold is written so that bitcoin is the only asset that clears it.
Read it next to the states in this series that tried and failed. Oklahoma lost by one committee vote, Utah stripped the provision before passage, Montana's House rejected it 41 to 59, North Dakota's 57 to 32, South Dakota deferred it past the end of the session. New Hampshire is the one that got there.
No link: the New Hampshire General Court's bill pages are indexed by an internal LSR identifier and no URL could be confirmed as pointing to HB 302 on 2026-08-27. An unlinked bill number is better than a citation to the wrong bill.
- In force since 2017RSA 399-G (2017)
Virtual currency businesses exempt from money transmitter licensing
Long before the reserve law, New Hampshire carved businesses dealing solely in convertible virtual currency out of its money transmitter licensing regime. That is the older and, for a business deciding where to operate, arguably the more consequential of the two.
No state tax on a sale
New Hampshire has no personal income tax and therefore no state capital gains tax. A resident who sells bitcoin owes federal tax and nothing to the state.
That cuts the usual argument for borrowing in half, exactly as it does in Tennessee, South Dakota and Nevada. What remains is the federal bill and the reasons that have nothing to do with tax. Run it with the state rate at zero.
Lending
No crypto-specific lending regime and no BitLicense-style regulator. Availability turns on each lender's own multistate licensing. All seven lenders we track serve New Hampshire.
Legislative status is current as of August 27, 2026 and re-checked quarterly. Bills move, take effect, and die between reviews, so confirm anything you plan to act on against the primary sources linked above and at the foot of this page. This is information, not legal or tax advice.
Lender availability above reflects each lender's stated state coverage, which we verify daily. This page is information, not legal or financial advice, and a lender's coverage or a state's rules can change, so confirm current eligibility with the lender when you apply.
Frequently asked
Does New Hampshire tax the gain if I sell my Bitcoin?
No. New Hampshire has no personal income tax and no capital gains tax, and it repealed its last investment-income levy, the Interest and Dividends tax, effective January 1, 2025. A gain from selling Bitcoin is subject only to federal capital gains tax, not any New Hampshire state tax.
Is a Bitcoin-backed loan taxed differently than selling in New Hampshire?
Borrowing against Bitcoin is not a sale, so it is not a taxable event at the state or federal level. Because New Hampshire imposes no income or capital gains tax, the state-level contrast is smaller than in high-tax states, but the federal capital gains you defer by borrowing instead of selling can still be significant.
Can I get a Bitcoin-backed loan in New Hampshire?
Generally yes. New Hampshire has no crypto-specific lending license or ban, and it exempts virtual currency businesses from money transmitter regulation, so availability depends on each lender's own multistate licensing rather than a state crypto regime.
Can I get a Bitcoin-backed loan in New Hampshire?
Yes. 7 of the Bitcoin-backed lenders we track serve New Hampshire, with starting rates from 7.25% APR. They include Arch, SALT, Strike, Ledn, and others.
Which lenders offer Bitcoin-backed loans in New Hampshire?
Arch, SALT, Strike, Ledn, Figure, APX Lending, Unchained all serve New Hampshire according to their stated coverage, which we verify daily.
Are any Bitcoin loan lenders not available in New Hampshire?
No. Every Bitcoin-backed loan lender we track serves New Hampshire.
Bitcoin loans in nearby states
New to this? How Bitcoin-backed loans work covers LTV, margin calls, and custody before you compare rates in New Hampshire.
Sources
- New Hampshire's Interest and Dividends tax was repealed effective January 1, 2025, leaving the state with no personal income tax on wages, capital gains, interest, or dividends. · revenue.nh.gov
- New Hampshire is the only state with neither a broad-based individual income tax nor a sales tax, and it does not tax capital gains at the state level. · taxfoundation.org
- New Hampshire exempts persons dealing solely in convertible virtual currency from its money transmitter licensing regime (RSA 399-G), while keeping them subject to consumer-protection law (RSA 358-A). · banking.nh.gov
- Governor Kelly Ayotte signed HB 302 on May 6, 2025, making New Hampshire the first U.S. state to authorize a strategic Bitcoin reserve, allowing up to 5% of certain public funds in qualifying digital assets. · news.bgov.com
- New Hampshire General Court, bill status · gencourt.state.nh.us
- New Hampshire Banking Department · nh.gov
Cite this data
Bitcoin-backed loan availability in New Hampshire: 7 of 7 tracked lenders serve the state, from 7.25% APR. borrow/on/bitcoin, verified September 15, 2026. https://borrowonbitcoin.com/bitcoin-loans/new-hampshire
Free to cite with attribution and a link. Media inquiries welcome.
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