Loans in Union County, NJ: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Union County, NJ.
The median household in Union County earns $103,202 a year, about the same as the New Jersey median of $103,556. About 9% of residents live below the federal poverty line, and 42.6% of households rent their home.
What you need for a personal loan in Union County
Here's what to have on hand before you start your personal loan request in Union 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 Union County
What Union County borrowers use it for
handle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Union 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 Union County
Banks with branches in Union County
147 FDIC-insured bank branches from 29 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank of America, National Association | 15 | 105 E 4th Ave, Roselle 07203 |
| Wells Fargo Bank, National Association | 14 | 477 Boulevard, Kenilworth 07033 |
| JPMorgan Chase Bank, National Association | 13 | 302 E Broad St, Westfield 07090 |
| Citizens Bank, National Association | 12 | 393 Springfield Ave, Summit 07901 |
| TD Bank, National Association | 12 | 540 Morris Ave, Springfield 07081 |
| Columbia Bank | 11 | 1500 Irving St, Rahway 07065 |
| Santander Bank, N.A. | 9 | 1 Union Sq, Elizabeth 07201 |
| PNC Bank, National Association | 9 | 1 Lincoln Plz, Westfield 07090 |
| Valley National Bank | 6 | 2784 Morris Ave, Union 07083 |
| Flagstar Bank, National Association | 5 | 310 North Ave E, Cranford 07016 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Union County
37 credit-union locations from 25 credit unions.
| Credit union | Location |
|---|---|
| The Atlantic | 1331 Magie Ave, Union 07083 |
| Advanced Financial | 785 Central Ave, New Providence 07974 |
| Seaport | 5080 Mclester St, Elizabeth 07201 |
| Wakefern | 505 Division St, Elizabeth 07201 |
| Elizabeth (N.J.) Firemen'S | 411 Irvington Ave, Elizabeth 07208 |
| I.L.A. Local 1235 | 20 Commerce Dr Ste 135, Cranford 07016 |
| Affinity | 598 Central Ave, New Providence 07974 |
| Polish & Slavic | 667 Chestnut St, Union 07083 |
| Financial Resources | 10-12 S Broad St, Elizabeth 07202 |
| Merck Employees | 126 E Lincoln Ave, Rahway 07065 |
| County Excellence | 16 E Lincoln Ave, Roselle Park 07204 |
| Atlantic Health Employees | 99 Beauvoir Ave Fl 2, Summit 07901 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Union County
All New Jersey counties and cities
Frequently asked questions
Are payday loans legal in Union County?
Union County follows New Jersey law. Payday loans are effectively illegal in New Jersey.
Are title loans legal in Union County?
There is no title-lending law in New Jersey.
Where can I get a small loan in Union County?
Options include 147 bank and 37 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 Union County?
Fill out our short online form from anywhere in Union 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 a loan in Union County with bad credit?
Yes, many lenders in our network work with Union 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 an emergency loan in Union County?
Yes. When an unexpected bill comes up, Union 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.
Where can I get a loan in Union County, NJ?
You can apply at banks, credit unions and lenders in Union 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 Union County?
Yes. You don't need to visit a branch or storefront anywhere in Union 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.