Personal loans in Camden, NJ
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Camden, NJ.
The median household in Camden earns $40,546 a year, 61% below the New Jersey median of $103,556. About 30% of residents live below the federal poverty line, and 65.6% of households rent their home. 10.7% of households have no home internet; our form works on any phone.
New Jersey law that applies in Camden
| Rate cap | A licensed consumer lender may charge the APR it agrees on with the borrower, but the criminal usury limit of 30% a year for individuals still applies. |
|---|---|
| License required | A consumer lender license is required to make personal, family or household loans of $50,000 or less, repayable in installments, at rates above what an unlicensed lender could charge. |
| Loan sizes covered | Loans of $50,000 or less. |
Full rules with statute citations: Personal Loans in New Jersey. Cities in New Jersey cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Camden
Lenders that serve Camden 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 Camden
What Camden borrowers use it for
the fastest options online
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Camden
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Camden
10 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Mid Penn Bank | 2 | 1040 Haddon Ave, Camden 08103 |
| PNC Bank, National Association | 1 | 110 N Broadway, Camden 08102 |
| Bank of America, National Association | 1 | 433 Market Street, Laeda Building, Camden 08102 |
| TD Bank, National Association | 1 | 501 Mickle Blvd, Camden 08103 |
| Wells Fargo Bank, National Association | 1 | 539 Market St, Camden 08102 |
| Truist Bank | 1 | 1 Market St Ste 2b, Camden 08102 |
| JPMorgan Chase Bank, National Association | 1 | 534 Federal St, Camden 08103 |
| Citizens Bank, National Association | 1 | 330 Cooper St, Camden 08102 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Camden
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| First Harvest | 227 Market St, Camden 08102 |
| Edifi | 1 Cooper Plz, Camden 08103 |
| Campbell | 1 Campbell Pl, Camden 08103 |
| Garden State | 401 Delaware Ave, Camden 08102 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Camden County ·
Frequently asked questions
Can I get a personal loan with bad credit in Camden?
Possibly. Lenders in our network consider applicants with fair and bad credit across New Jersey, including Camden. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Camden, NJ?
Licensed lenders set agreed rates; criminal usury caps loans to individuals at 30%.
How fast can I get a personal loan in Camden?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
How long does it take to get a personal loan in Camden?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Camden.
How can I get an emergency loan in Camden?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
How do I apply for a personal loan with bad credit in Camden?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
How do installment loans work in Camden?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Camden residents can see installment loan offers with our free 3-minute form.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Camden with our free 3-minute form.
Do I need to visit a store in Camden?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.