Personal loans in New Jersey

Consumer lending in New Jersey is regulated by the New Jersey Department of Banking and Insurance. Below are the sourced rules that affect what a lender can charge you, followed by the cities we cover.

Lending rules in New Jersey

Payday lending	No specific payday lending statute; lenders must comply with the state's interest-rate cap on consumer loans, which effectively bars high-cost payday lending. NCSL lists this jurisdiction among those with no specific payday lending statute and/or an applicable consumer-loan rate cap.Source: National Conference of State Legislatures · as of 2023
Small-loan / installment licensing	Consumer lenders must obtain a state license (Yes if interest rate may exceed 16%). Statutory basis: N.J. Stat. Ann. §§ 17:11C-1 et seq. Licensing administered through NMLS: No.Source: Conference of State Bank Supervisors · as of 2026
Interest rate cap (usury limit)	Usury limit: 6% absent a contract or 16% with a contract (N.J. Stat. § 31:1-1); Criminal usury: Loans with interest rates greater than 30% or 50% if made to a corporation, limited liability company, or limited liability partnership (N.J. Stat. § 2C:21-19(a)). Finance rates and fees for licensed lenders: Rate agreed to by the parties; not exceeding 30% per annum. CSBS 50-state survey of consumer finance laws; state-verified usury catalog.Source: Conference of State Bank Supervisors · as of 2026
Consumer lending regulator	Consumer lenders in New Jersey are licensed and supervised by the New Jersey Department of Banking and Insurance.Source: Conference of State Bank Supervisors · as of 2026
Debt collection rules	Third-party debt collectors must comply with the federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.; state consumer-protection and debt-collection enforcement is handled by the New Jersey Office of the Attorney General. The FDCPA expressly authorizes state attorneys general to enforce it (15 U.S.C. § 1692l). Some states also require collection agencies to be licensed.Source: New Jersey Office of the Attorney General · as of 2026
Military lending protections	The federal Military Lending Act (MLA) caps the Military Annual Percentage Rate (MAPR) at 36% for consumer credit extended to active-duty service members, their spouses and certain dependents, and bars mandatory arbitration and prepayment penalties on covered loans. Federal protection that applies nationwide, including in this state.Source: Consumer Financial Protection Bureau · as of 2024
Complaint / licensing lookup	Check whether a lender holds a state license through NMLS Consumer Access (nmlsconsumeraccess.org) or the New Jersey Department of Banking and Insurance; consumers can file complaints with the New Jersey Department of Banking and Insurance or the CFPB at consumerfinance.gov/complaint.Source: Nationwide Multistate Licensing System (NMLS) Consumer Access · as of 2026

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Cities in New Jersey

Trenton Newark Jersey City Atlantic City Paterson Elizabeth Vineland Clifton Camden Bayonne Passaic East Orange Union City Twin Rivers Hoboken New Brunswick Perth Amboy Plainfield West New York Sicklerville Hackensack Sayreville Linden Kearny Fort Lee Fair Lawn Garfield Long Branch Westfield Princeton Rahway Englewood Bergenfield Millville Paramus Ridgewood Lodi Cliffside Park Carteret Somerset South Plainfield North Plainfield Summit Roselle Hillsborough Parsippany Secaucus Elmwood Park Lindenwold Pleasantville Palisades Park Glassboro Morristown Hawthorne Preakness Tinton Falls Point Pleasant Harrison Rutherford Colonia Dover Dumont Ocean Acres Iselin Avenel New Milford Madison North Arlington South River Princeton Meadows Springdale Tenafly Asbury Park Phillipsburg Highland Park Williamstown Fairview Metuchen Ramsey Bradley Gardens Hammonton West Freehold Middlesex Short Hills Hopatcong Moorestown-Lenola Mercerville Edgewater Roselle Park Cherry Hill Mall Westmont Franklin Park Echelon New Providence Eatontown Ridgefield Park Fords Holiday City-Berkeley Red Bank Oakland Florham Park Somerville Robertsville Hamilton Square Hasbrouck Heights Glen Rock Upper Montclair River Edge Martinsville Guttenberg Wallington Bound Brook Ringwood Bellmawr Ridgefield Gloucester City Wanaque Westwood Ocean City Pompton Lakes Franklin Lakes The Hills Oak Ridge Totowa Little Ferry Lincoln Park Beachwood Manville Pompton Plains Pine Hill Kendall Park Lake Hopatcong Greentree Marlton Blackwells Mills Somers Point Hackettstown Hillsdale Brookdale Waldwick Woodbury Browns Mills Maywood Kinnelon Lake Hiawatha Budd Lake East Rutherford Villas Wood-Ridge Keansburg Monmouth Junction White Horse Succasunna Lake Mohawk Matawan Ventnor City South Amboy Leonia Ashland Flanders Pine Lake Park Smithville Cresskill White Meadow Lake Whippany Absecon Park Ridge Haledon North Haledon Bogota Clayton Pitman Caldwell Boonton Audubon McKee City Closter West Long Branch Newton Northfield Crestwood Village Montvale Kenilworth East Franklin Upper Saddle River Pomona Runnemede Oradell Dayton Spotswood Basking Ridge Butler Madison Park Atco Fort Dix Brigantine Bernardsville Glen Ridge Bloomingdale Fanwood Mystic Island Dunellen Watsessing Berlin Haddon Heights Palmyra Emerson Yorketown Rumson Keyport Wharton Washington Strathmore Rutgers University-Busch Campus Heathcote Midland Park Barrington Milltown Mountainside Stratford Kingston Estates Allendale Lincroft North Caldwell Mays Landing Ramtown Watchung Green Knoll Carlstadt Ramblewood Prospect Park Laurence Harbor Yardville Roseland Fair Haven Paulsboro Oceanport Woodcliff Lake Little Silver Morris Plains Finderne Pine Brook Leisure Village Manasquan Bridgewater Center Packanack Lake Old Tappan Belmar Hightstown Mount Arlington Jamesburg Union Beach Towaco Belle Mead Norwood Franklin Center Lyons Glendora Somerdale Margate City Vauxhall Beckett Bargaintown Englewood Cliffs Ledgewood Clementon Neshanic Station Salem McGuire AFB Forked River Troy Hills Cape May Court House Wildwood Ellisburg Ampere North Morganville Demarest Brielle Franklin Spring Lake Heights East Freehold Penns Grove Flemington South Bound Brook Harrington Park Northvale Point Pleasant Beach Beach Haven West Golden Triangle Landing Highlands Neptune City Mount Ephraim Leisure Village East Wanamassa Highland Lakes Buena Beattystown Blackwood Mountain Lakes Garwood Atlantic Highlands Barclay Panther Valley Magnolia Oak Valley Westville Cedar Knolls Bradley Beach The College of New Jersey Country Lake Estates Ho-Ho-Kus Medford Lakes Silver Lake Singac Mullica Hill Shrewsbury Roebling Lambertville Holiday City South Great Notch Riverdale Leisure Village West White House Station Port Reading Oaklyn Richwood Port Monmouth Oakhurst Merchantville North Cape May Lawrenceville South Toms River Woodstown North Wildwood Tuckerton High Bridge Sewell Rio Grande Stanhope Gibbstown Netcong Upper Greenwood Lake Saddle River Turnersville Sewaren Haworth Six Mile Run Hamburg Groveville Leisuretowne Monmouth Beach Woodbury Heights Wildwood Crest Pines Lake Moonachie National Park Stirling Shark River Hills Cliffwood Beach Mount Hope East Newark Lawnside Ocean Grove Millington Keasbey Cape May Woodlynne Menlo Park Terrace West Berlin Union Palermo Spring Lake Rossmoor Pennington Plainsboro Center Riverton Pemberton Heights Concordia Swedesboro Stockton University Leisure Knoll Gillette Pine Ridge at Crestwood Lakehurst Monroe Manor English Creek Hewitt Belvidere Seaville Marmora Hopelawn Middlebush West Belmar Thorofare North Middletown Vista Center Whittingham Laurel Lake Leonardo

Personal loans in New Jersey

Lending rules in New Jersey

Calculate your loan

Cities in New Jersey

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