Loans in New Jersey: payday, personal & title loan laws (2026)

In New Jersey, payday loans are not allowed, car title loans are not allowed, and personal installment loans are available from licensed lenders. Below are the verified rules, local lenders and credit unions for all 21 counties and 158 cities with 10,000+ residents.

Request a personal loan in New Jersey

✓ Free to use✓ About 3 minutes✓ No obligation✓ Bad credit OK to apply

1 Choose an amount and fill out the form
2 Get matched with a lender in our network
3 Review your offer and get funded, often next business day

Tip: apply on a weekday morning for the best chance of funding by the next business day.

No hard credit inquiry on our end; lenders may check your credit. Not a lender; approval, amount and terms come from the lender. Example: $1,000 over 12 months at 35.99% APR ≈ $100.46/month.

Payday Loans Not available

Payday loans are effectively illegal in New Jersey.

Personal Loans

Licensed lenders set agreed rates; criminal usury caps loans to individuals at 30%.

Title Loans Not available

There is no title-lending law in New Jersey.

New Jersey at a glance

9,343,809

Residents

$103,556

Median household income

2,234

FDIC bank branches

317

Credit-union branches

Counties in New Jersey

Cities in New Jersey

Newark Jersey City Paterson Elizabeth Toms River Trenton Clifton Bayonne Camden East Orange Passaic Lakewood Union City Vineland Hoboken New Brunswick Perth Amboy Plainfield West New York Hackensack Sayreville Sicklerville Linden Kearny Fort Lee Atlantic City Fair Lawn Garfield Long Branch Westfield Princeton Rahway Englewood Bergenfield Old Bridge Millville Bridgeton Paramus Ridgewood Lodi Cliffside Park Carteret South Plainfield Glassboro North Plainfield Somerset Summit Roselle Hillsborough Secaucus Lindenwold Elmwood Park Parsippany Woodbridge Pleasantville Morristown Harrison Palisades Park Hawthorne Iselin Tinton Falls Point Pleasant Ocean Acres Rutherford Colonia Dover Preakness Dumont Avenel New Milford North Arlington Madison South River Princeton Meadows Tenafly Phillipsburg Asbury Park Springdale Metuchen Highland Park Fairview Short Hills West Freehold Hammonton Ramsey Edgewater Williamstown Middlesex Moorestown-Lenola Hopatcong Cherry Hill Mall Collingswood Westmont Bradley Gardens Roselle Park New Providence Eatontown Florham Park Mercerville Somerville Woodland Park Echelon Ridgefield Park Franklin Park Holiday City-Berkeley Red Bank Fords Oakland Haddonfield Freehold Upper Montclair Pennsville Bound Brook Glen Rock Hasbrouck Heights River Edge Robertsville Wallington Guttenberg Bellmawr Ringwood Hamilton Square Martinsville Greentree Gloucester City Ridgefield Westwood Ocean City Wanaque Beachwood Franklin Lakes East Franklin Pompton Lakes Lake Hiawatha Little Ferry Pompton Plains Totowa Lincoln Park Oak Ridge Marlton Manville Pine Hill The Hills McKee City Budd Lake Somers Point White Horse East Rutherford Blackwells Mills Lake Hopatcong Wood-Ridge Waldwick Hillsdale Hackettstown Maywood Woodbury Kinnelon Kendall Park

Frequently asked questions

Are payday loans legal in New Jersey?

Payday loans are effectively illegal in New Jersey. Criminal usury starts at 30% a year for individual borrowers, and DOBI says payday lending is done almost entirely by out-of-state or foreign lenders without the required New Jersey license.

Are title loans legal in New Jersey?

There is no title-lending law in New Jersey. Car-secured loans are limited by the same usury rules (30% criminal limit for individuals), so triple-digit title loans are illegal.

What interest can title lenders charge in New Jersey?

Criminal usury limit of 30% a year for individual borrowers.

Is there a cap on personal loan interest rates in New Jersey?

Licensed lenders set agreed rates; criminal usury caps loans to individuals at 30%.

Do personal loan lenders need a license in New Jersey?

A consumer lender license is required to make personal, family or household loans of $50,000 or less, repayable in installments, at rates above what an unlicensed lender could charge.