New Jersey Payday Loans (NJ)

NewJersey FlagNew Jersey currently has no payday loan lenders legally operating within the state. For this reason, borrowers need to seek cash advance loans in other states in order to gain quick cash access. If you’re an NJ resident currently seeking ways to obtain payday loans, we can provide you with all the information you need.

Please fill our simple form for apply. The data provided here are up to date and should answer most of your questions regarding the transaction.

For information on other states, please browse the domain. Comments and feedbacks are always welcome.

 Payday Loan Process in New Jersey

If you’re 18 years of age, you are already qualified to take a payday loan. Other requirements that lender will insist on include:

  • Proof of employment
  • Monthly salary must meet minimum requirements
  • Savings or checking account

Once all these conditions are met, borrowers can fill in the online form, send in the documents via fax and wait for a response. Typically, it doesn’t take more than one week to obtain approval from a payday loan lender. Due to NJ law profiting payday loans, most transaction are done online but still considered legal.

Lenders can be flexible as well; some of them offer loans to people on welfare or those with bad credit. Military personnel and seniors enjoying their retirement can also avail of the loans on the strength of their monthly checks.

New Jersey Payday Loan Laws and Regulations

Criminal law sets New Jersey usury cap at 30% every year. Borrowers who obtain payday loans from lenders based in other states may be treated to the rates and fees established in the state. To stop this from surprising you in the long run, borrowers should be aware of the laws that their lenders operate by before actually signing the documents. Concerns such as rollovers, finance fees, rates, and more must be discussed to ensure that both parties understand the terms of the loan.

New Jersey Consumer Protection

To protect yourself against lenders, it’s best to be aware of the regulatory body that governs your creditor. Different states often provide different organizations to take care of short and long term loans. For the state of New Jersey, the regulator is the New Jersey Department of Banking and Insurance.

  • Address: 20 West State St. Trenton NJ 08625
  • Phone: (609) 292-5360
  • Fax: (609) 292-5461
  • Look For: Ludi Hughes, Assistant Commissioner
  • Web:Web:

The regulator can also be contacted through their website or email address. Borrowers are advised to seek professional help should they ever encounter problems with cash advance loans.

New Jersey Payday Loan Alternatives

If you wish to avoid interest rates from payday loans, there are other alternatives for quick cash. Friends and family might be willing to lend the desired money if immediate payment is guaranteed. Some employers are also open to cash advance with the agreement of subtracting the cost from your next paycheck. Credit cards are also an obvious option while others prefer to sell/pawn their assets to avoid CC rates. Bank loans are also a solution although they’re better suited to large financial needs.

Map of New Jersey


Payday Loans cities in New Jersey:
Absecon Asbury Belmar
Blackwood Bloomfield Bogota
Brick Camden Cape May
Cape May Court House Cedar Grove Cherry Hill
Clark Clementon Clinton
Cranbury Cranford Denville
East Brunswick East Rutherford Eatontown
Edison Egg Harbor Township Elizabeth
Elmwood Park Englewood Fair Lawn
Fairfield Flanders Flemington
Fort Lee Freehold Green Brook
Hackensack Hillside Hope
Howell Jersey City Kearny
Kinnelon Lakewood Linden
Linwood Little Falls Lyndhurst
Madison Manalapan Maple Shade
Marlboro Marlton Marmora
Matawan Mays Landing Maywood
Merchantville Metuchen Middletown
Midland Park Milltown Moorestown
Morristown Mount Laurel Newark
North Bergen North Brunswick Northfield
Oaklyn Old Bridge Parsippany
Paterson Pennsauken Pennsville
Plainfield Pleasantville Princeton
Rahway Red Bank Ridgewood
Riverton Rochelle Park Rutherford
Sea Isle City Sewell Shrewsbury
Sicklerville Somers Point Somerset
Somerville South Amboy South Orange
South Plainfield Sparta Teaneck
Tenafly Toms River Trenton
Turnersville Union Verona
Vineland Voorhees Watchung
Wayne West Berlin West Long Branch
West Milford West Orange Westampton
Wildwood Woodbridge Woodbury

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