Loans in Passaic County, NJ: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Passaic County, NJ.
The median household in Passaic County earns $87,522 a year, 15% below the New Jersey median of $103,556. About 13% of residents live below the federal poverty line, and 46.9% of households rent their home.
What you need for a personal loan in Passaic County
Here's what to have on hand before you start your personal loan request in Passaic 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 Passaic County
What Passaic County borrowers use it for
handle the unexpected the same week
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Passaic 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 Passaic County
Banks with branches in Passaic County
97 FDIC-insured bank branches from 19 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Valley National Bank | 18 | 615 Main Ave, Passaic 07055 |
| Wells Fargo Bank, National Association | 12 | 501 Union Blvd, Totowa 07512 |
| TD Bank, National Association | 10 | 301 Main St, Paterson 07505 |
| PNC Bank, National Association | 10 | 955 Clifton Ave, Clifton 07013 |
| Provident Bank | 9 | 2717 Route 23, Newfoundland 07435 |
| Columbia Bank | 9 | 413 Wanaque Ave, Pompton Lakes 07442 |
| JPMorgan Chase Bank, National Association | 8 | 1117 Main St, Paterson 07503 |
| Bank of America, National Association | 4 | 1005 Hamburg Tpke, Wayne 07470 |
| Kearny Bank | 3 | 1433 Van Houten Ave, Clifton 07013 |
| Manufacturers and Traders Trust Company | 3 | 887 Allwood Rd, Clifton 07012 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Passaic County
11 credit-union locations from 9 credit unions.
| Credit union | Location |
|---|---|
| Visions | 70 Church St, Haledon 07508 |
| Affinity | 1 Insights Drive, Clifton 07012 |
| Polish & Slavic | 990 Clifton Ave, Clifton 07013 |
| North Jersey | 711 Union Blvd, Totowa 07512 |
| Greater Alliance | 66 Hamilton St, Paterson 07505 |
| Nova Ua | 851 Allwood Rd, Clifton 07012 |
| Passaic Police | 330 Passaic St, Passaic 07055 |
| Paterson Police | 111 Broadway, Paterson 07505 |
| Clifton Nj Postal Employees | 811 Paulison Ave, Clifton 07011 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Passaic County
All New Jersey counties and cities
Frequently asked questions
Are payday loans legal in Passaic County?
Passaic County follows New Jersey law. Payday loans are effectively illegal in New Jersey.
Are title loans legal in Passaic County?
There is no title-lending law in New Jersey.
Where can I get a small loan in Passaic County?
Options include 97 bank and 11 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 Passaic County?
Fill out our short online form from anywhere in Passaic 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 get an emergency loan in Passaic County?
Yes. When an unexpected bill comes up, Passaic 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.
Can I get a loan in Passaic County with bad credit?
Yes, many lenders in our network work with Passaic 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.
Where can I get a loan in Passaic County, NJ?
You can apply at banks, credit unions and lenders in Passaic 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 apply for a loan online in Passaic County?
Yes. You don't need to visit a branch or storefront anywhere in Passaic 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.