Personal loans in Englewood, NJ
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Englewood, NJ.
The median household in Englewood earns $102,571 a year, about the same as the New Jersey median of $103,556. About 9% of residents live below the federal poverty line, and 45.5% of households rent their home.
New Jersey law that applies in Englewood
| 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 Englewood
Lenders that serve Englewood 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 Englewood
What Englewood borrowers use it for
gifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a personal loan in Englewood
- 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 Englewood
13 FDIC-insured bank branches from 12 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Ion Bank | 2 | 76 Engle St, Englewood 07631 |
| Bank of America, National Association | 1 | 21 Park Pl, Englewood 07631 |
| PNC Bank, National Association | 1 | 1 Engle St, Englewood 07631 |
| JPMorgan Chase Bank, National Association | 1 | 50 Grand Ave, Englewood 07631 |
| Wells Fargo Bank, National Association | 1 | 15 W Palisade Ave, Englewood 07631 |
| Valley National Bank | 1 | 80 West St, Englewood 07631 |
| Citibank, National Association | 1 | 89 Engle St, Englewood 07631 |
| Provident Bank | 1 | 42 N Dean St, Englewood 07631 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Bergen County
20 credit-union locations from 10 credit unions.
| Credit union | Location |
|---|---|
| Visions | 78 Washington Ave, Westwood 07675 |
| Affinity | 913 Kinderkamack Rd, River Edge 07661 |
| Polish & Slavic | 75 River Dr, Garfield 07026 |
| North Jersey | 444 Mola Blvd, Elmwood Park 07407 |
| Greater Alliance | 40 W Century Rd, Paramus 07652 |
| H. E. Telephone | 201 W Passaic St Ste 304, Rochelle Park 07662 |
| N.J.T. Employees | 7 Richard Dr, Waldwick 07463 |
| 1St Bergen | 392 Main St, Hackensack 07601 |
| Teaneck | 100 Elizabeth Ave, Teaneck 07666 |
| West Hudson Teachers | 180 Prospect Ave, North Arlington 07031 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Bergen County ·
Frequently asked questions
Can I get a personal loan with bad credit in Englewood?
Possibly. Lenders in our network consider applicants with fair and bad credit across New Jersey, including Englewood. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Englewood, NJ?
Licensed lenders set agreed rates; criminal usury caps loans to individuals at 30%.
How fast can I get a personal loan in Englewood?
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 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.
How can I get an emergency loan in Englewood?
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 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 Englewood with our free 3-minute form.
Where can I find a loan for bad credit in Englewood?
You can apply at local banks and lenders in Englewood, 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.
Can I get a personal loan in Englewood 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. Englewood residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Do I need to visit a store in Englewood?
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.