Loans in Monmouth County, NJ: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Monmouth County, NJ.
The median household in Monmouth County earns $124,845 a year, 21% above the New Jersey median of $103,556. About 6% of residents live below the federal poverty line, and 24.4% of households rent their home.
What you need for a personal loan in Monmouth County
Lenders that serve Monmouth County typically ask for the following:
- 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 Monmouth County
What Monmouth County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Monmouth 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 Monmouth County
Banks with branches in Monmouth County
181 FDIC-insured bank branches from 24 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 18 | 857 State Route 35, Middletown 07748 |
| JPMorgan Chase Bank, National Association | 18 | 2500 Route 35, Manasquan 08736 |
| Santander Bank, N.A. | 15 | 4261 Route 9 N, Howell 07731 |
| Bank of America, National Association | 14 | 1800 State Route 35, Wall 07719 |
| TD Bank, National Association | 14 | 500 Shrewsbury Ave, Tinton Falls 07701 |
| PNC Bank, National Association | 14 | 810 Sunset Ave, Asbury Park 07712 |
| Provident Bank | 11 | 205 E Main St, Manasquan 08736 |
| Valley National Bank | 10 | 465 Broad St, Shrewsbury 07702 |
| Amboy Bank | 10 | 95 Matawan Rd, Matawan 07747 |
| Manasquan Bank | 9 | 2221 Landmark Pl, Manasquan 08736 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Monmouth County
16 credit-union locations from 8 credit unions.
| Credit union | Location |
|---|---|
| Navy Federal Credit Union | 201 State Route 34, Colts Neck 07722 |
| Affinity | 1365 State Route 35, Middletown 07748 |
| First Atlantic | 468 Industrial Way W, Eatontown 07724 |
| United Teletech Financial | 205 Hance Ave, Tinton Falls 07724 |
| First Financial | 391 Us Highway 9, Freehold 07728 |
| Saker Shop Rite | 2200 State Route 66, Neptune 07753 |
| Monmouth County Postal Employees | 171 Broad St, Red Bank 07701 |
| N. J. Latvian | 1017 State Route 33, Freehold 07728 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Monmouth County
All New Jersey counties and cities
Frequently asked questions
Are payday loans legal in Monmouth County?
Monmouth County follows New Jersey law. Payday loans are effectively illegal in New Jersey.
Are title loans legal in Monmouth County?
There is no title-lending law in New Jersey.
Where can I get a small loan in Monmouth County?
Options include 181 bank and 16 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 Monmouth County?
Fill out our short online form from anywhere in Monmouth 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.
Can I apply for a loan online in Monmouth County?
Yes. You don't need to visit a branch or storefront anywhere in Monmouth County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve New Jersey. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Where can I get a loan in Monmouth County, NJ?
You can apply at banks, credit unions and lenders in Monmouth 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 Monmouth County with bad credit?
Yes, many lenders in our network work with Monmouth 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 Monmouth 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. Monmouth County residents can start any time, and it takes about 3 minutes.