Loans in Warren County, NJ: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Warren County, NJ.
The median household in Warren County earns $100,869 a year, about the same as the New Jersey median of $103,556. About 8% of residents live below the federal poverty line, and 24.9% of households rent their home.
What you need for a personal loan in Warren County
Most Warren County applicants can finish in one sitting if they have these ready:
- 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 Warren County
What Warren County borrowers use it for
cover a short gap before payday
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Warren 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 Warren County
Banks with branches in Warren County
24 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| PNC Bank, National Association | 6 | 101 Mansfield St, Belvidere 07823 |
| First Hope Bank, A National Banking Association | 3 | 1301 Hope Bridgeville Rd., Hope 07844 |
| Valley National Bank | 3 | 105 Mill St, Hackettstown 07840 |
| Fulton Bank, National Association | 3 | 157 Route 31 South, Oxford 07863 |
| Wells Fargo Bank, National Association | 2 | 2000 Route 57, Hackettstown 07840 |
| JPMorgan Chase Bank, National Association | 2 | 227 Mountain Ave, Hackettstown 07840 |
| Unity Bank | 2 | 1225 Us - 22 W, Phillipsburg 08865 |
| Bank of America, National Association | 1 | 78 Main St, Hackettstown 07840 |
| TD Bank, National Association | 1 | 1321 Route 22, Phillipsburg 08865 |
| Provident Bank | 1 | 190 Roseberry St, Phillipsburg 08865 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Warren County
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Visions | 68 Us Highway 46 W, Hackettstown 07840 |
| First Commonwealth | 501 Baltimore St, Phillipsburg 08865 |
| Irco Community | 450 Hillcrest Blvd, Phillipsburg 08865 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Warren County
All New Jersey counties and cities
Frequently asked questions
Are payday loans legal in Warren County?
Warren County follows New Jersey law. Payday loans are effectively illegal in New Jersey.
Are title loans legal in Warren County?
There is no title-lending law in New Jersey.
Where can I get a small loan in Warren County?
Options include 24 bank and 4 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 Warren County?
Fill out our short online form from anywhere in Warren 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 Warren County with bad credit?
Yes, many lenders in our network work with Warren 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 apply for a loan online in Warren County?
Yes. You don't need to visit a branch or storefront anywhere in Warren 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.
Can I get a loan in Warren 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. Warren County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Warren County, NJ?
You can apply at banks, credit unions and lenders in Warren 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.