Personal loans in Collingswood, NJ
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Collingswood, NJ.
The median household in Collingswood earns $90,184 a year, 13% below the New Jersey median of $103,556. About 10% of residents live below the federal poverty line, and 43.0% of households rent their home.
New Jersey law that applies in Collingswood
| 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 Collingswood
Here's what to have on hand before you start your personal loan request in Collingswood:
- 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 Collingswood
What Collingswood borrowers use it for
pay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Collingswood
- 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 Collingswood
4 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Mid Penn Bank | 1 | 1040 Haddon Ave, Collingswood 08108 |
| PNC Bank, National Association | 1 | 862 Haddon Ave, Collingswood 08108 |
| Bank of America, National Association | 1 | 846 Haddon Ave, Collingswood 08108 |
| Parke Bank | 1 | 1150 Haddon Ave, Collingswood 08108 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Camden County
13 credit-union locations from 10 credit unions.
| Credit union | Location |
|---|---|
| Navy Federal Credit Union | 2100 Route 38, Cherry Hill 08002 |
| Fourleaf | 56 Haddonfield Rd, Cherry Hill 08002 |
| American Heritage | 100 Haddonfield Rd, Cherry Hill 08002 |
| First Harvest | 227 Market St, Camden 08102 |
| Edifi | 1 Cooper Plz, Camden 08103 |
| Campbell | 1 Campbell Pl, Camden 08103 |
| Jersey Central | 2091 Springdale Rd, Cherry Hill 08003 |
| Garden State | 401 Delaware Ave, Camden 08102 |
| Toledo Fire Fighters | 2091 Springdale Rd, Cherry Hill 08003 |
| Peoples Transport | 136 W Kings Hwy, Mount Ephraim 08059 |
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 Collingswood?
Possibly. Lenders in our network consider applicants with fair and bad credit across New Jersey, including Collingswood. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Collingswood, NJ?
Licensed lenders set agreed rates; criminal usury caps loans to individuals at 30%.
How fast can I get a personal loan in Collingswood?
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 an emergency loan with bad credit in Collingswood?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Collingswood residents can see if they qualify in about 3 minutes.
How long does it take to get a personal loan in Collingswood?
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 Collingswood.
Can I get a personal loan in Collingswood 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. Collingswood residents can see if they qualify for $100 to $5,000 in about 3 minutes.
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 Collingswood borrowers who qualify.
How do I apply for a personal loan with bad credit in Collingswood?
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.
Do I need to visit a store in Collingswood?
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.