Personal loans in Clifton, NJ
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Clifton, NJ.
The median household in Clifton earns $98,237 a year, 5% below the New Jersey median of $103,556. About 8% of residents live below the federal poverty line, and 40.4% of households rent their home.
New Jersey law that applies in Clifton
| 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 Clifton
Lenders that serve Clifton 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 Clifton
What Clifton borrowers use it for
cover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a personal loan in Clifton
- 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 Clifton
26 FDIC-insured bank branches from 16 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Valley National Bank | 4 | 535 Getty Ave, Clifton 07011 |
| JPMorgan Chase Bank, National Association | 3 | 963 Van Houten Ave, Clifton 07013 |
| Kearny Bank | 2 | 1433 Van Houten Ave, Clifton 07013 |
| PNC Bank, National Association | 2 | 955 Clifton Ave, Clifton 07013 |
| Wells Fargo Bank, National Association | 2 | 90 Main Ave, Clifton 07014 |
| Spencer Savings Bank, SLA | 2 | 437 Piaget Ave, Clifton 07011 |
| TD Bank, National Association | 2 | 1188 Clifton Ave, Clifton 07013 |
| Bank of America, National Association | 1 | 1045 Clifton Ave, Clifton 07013 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Clifton
5 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Affinity | 1 Insights Drive, Clifton 07012 |
| Polish & Slavic | 990 Clifton Ave, Clifton 07013 |
| Nova Ua | 851 Allwood Rd, Clifton 07012 |
| Clifton Nj Postal Employees | 811 Paulison Ave, Clifton 07011 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Passaic County ·
Frequently asked questions
Can I get a personal loan with bad credit in Clifton?
Possibly. Lenders in our network consider applicants with fair and bad credit across New Jersey, including Clifton. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Clifton, NJ?
Licensed lenders set agreed rates; criminal usury caps loans to individuals at 30%.
How fast can I get a personal loan in Clifton?
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.
Can I get a personal loan in Clifton with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Clifton residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
Where can I find a loan for bad credit in Clifton?
You can apply at local banks and lenders in Clifton, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
How can I get an emergency loan in Clifton?
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.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Clifton borrowers who qualify.
Do I need to visit a store in Clifton?
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.