Loans in Bergen County, NJ: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Bergen County, NJ.
The median household in Bergen County earns $124,884 a year, 21% above the New Jersey median of $103,556. About 7% of residents live below the federal poverty line, and 34.7% of households rent their home.
What you need for a personal loan in Bergen County
Here's what to have on hand before you start your personal loan request in Bergen County:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Bergen County
What Bergen County borrowers use it for
the fastest options online
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Bergen County
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.
Banks and credit unions in Bergen County
Banks with branches in Bergen County
348 FDIC-insured bank branches from 45 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Valley National Bank | 36 | 80 Broadway, Elmwood Park 07407 |
| JPMorgan Chase Bank, National Association | 36 | 417 Kinderkamack Rd, Oradell 07649 |
| TD Bank, National Association | 33 | 457 Sylvan Ave, Englewood Cliffs 07632 |
| Bank of America, National Association | 28 | 84 Park Ave, Hillsdale 07642 |
| Columbia Bank | 21 | 630 Godwin Ave, Midland Park 07432 |
| Manufacturers and Traders Trust Company | 19 | 80 W Century Rd, Paramus 07652 |
| Wells Fargo Bank, National Association | 18 | 1 W Railroad Ave, Tenafly 07670 |
| PNC Bank, National Association | 16 | 16 Highwood Ave, Tenafly 07670 |
| Spencer Savings Bank, SLA | 16 | 611 River Dr, Elmwood Park 07407 |
| Provident Bank | 15 | 125 W Pleasant Ave, Maywood 07607 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Bergen County
20 credit-union locations from 10 credit unions.
| Credit union | Location |
|---|---|
| Visions | 78 Washington Ave, Westwood 07675 |
| Affinity | 913 Kinderkamack Rd, River Edge 07661 |
| Polish & Slavic | 75 River Dr, Garfield 07026 |
| North Jersey | 444 Mola Blvd, Elmwood Park 07407 |
| Greater Alliance | 40 W Century Rd, Paramus 07652 |
| H. E. Telephone | 201 W Passaic St Ste 304, Rochelle Park 07662 |
| N.J.T. Employees | 7 Richard Dr, Waldwick 07463 |
| 1St Bergen | 392 Main St, Hackensack 07601 |
| Teaneck | 100 Elizabeth Ave, Teaneck 07666 |
| West Hudson Teachers | 180 Prospect Ave, North Arlington 07031 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Bergen County
All New Jersey counties and cities
Frequently asked questions
Are payday loans legal in Bergen County?
Bergen County follows New Jersey law. Payday loans are effectively illegal in New Jersey.
Are title loans legal in Bergen County?
There is no title-lending law in New Jersey.
Where can I get a small loan in Bergen County?
Options include 348 bank and 20 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Bergen County?
Fill out our short online form from anywhere in Bergen County. We share it with lenders in our network that serve New Jersey; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Where can I get a loan in Bergen County, NJ?
You can apply at banks, credit unions and lenders in Bergen County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve New Jersey residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Bergen County with bad credit?
Yes, many lenders in our network work with Bergen County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Can I get a loan in Bergen County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Bergen County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Bergen County?
Yes. When an unexpected bill comes up, Bergen County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.