Loans By State

Best Loans in New Jersey, Payday, Auto Title Laws 2020

EPF Last Update: October 12, 2020
View All Studies

EPF Loan Shop Center

ElitePersonalFinance

Are You looking for:

According to New Jersey’s Financial Code, installment loan APRs are determined by the lender and the borrower. Finance charges are not regulated, however, loan amounts cannot exceed $50,000.

Terms are regulated by the amount financed:

  • For loans ≤ $1,000, terms are capped at 36 months and 15 days.
  • For loans > $1,000 but ≤ $2,500, terms are capped at 48 months and 15 days.
  • For loans > $2,500 but ≤ $5,000, terms are capped at 60 months and 15 days.
  • For loans > $5,000 but ≤ $10,000, terms are capped at 84 months and 15 days.
  • For loans > $10,000 but ≤ $50,000, terms are capped at 120 months and 15 days.

Best Bad Credit Loans in New Jersey 2020

Amount

$500 – $10,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

3 – 36 Months

Licensed in Jersey

Not a direct lender

Amount

$100 - $10,000

Min Credit Score

0

APR

Vary by State

Approval

< 1 Day

Terms

1 - 60 Months

Licensed in Jersey

Yes

Amount

$1,000 – $5,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

9 – 36 Months

Licensed in Jersey

Yes

Amount

$100 – $1,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

7 – 30 Days

Licensed in Jersey

Yes

Amount

$1,000 – $10,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Jersey

Not a direct lender

Amount

$1,000 – $50,000

Min Credit Score

500

APR

3.99% – 35.99%

Approval

< 1 Day

Terms

1 – 5 Years

Licensed in Jersey

Yes

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Jersey

Yes

Amount

$1,000 – $100,000

Min Credit Score

500

APR

5.34% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Jersey

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

< 1 Day

Terms

12 - 120 months

Licensed in Jersey

Yes

Amount

$1,000 – $35,000

Min Credit Score

580

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Jersey

Not a direct lender

For more information on how to select the best bad credit loan, see our comprehensive guide.

Best Personal Loans for Good Credit in New Jersey 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

1 Day

Terms

12 - 120 months

Licensed in Jersey

Yes

Amount

$2,000 - $40,000

Min Credit Score

640

APR

7.95% - 35.99%

Approval

1 - 3 Days

Terms

36 - 60 months

Licensed in Jersey

Yes

Amount

$1,000 – $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

1 Day

Terms

12 - 120 months

Licensed in Jersey

Yes

Amount

$1,000 – $35,000

Min Credit Score

580

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Jersey

Yes

Amount

$1,000 – $50,000

Min Credit Score

500

APR

3.99% – 35.99%

Approval

< 1 Day

Terms

1 – 5 Years

Licensed in Jersey

Yes

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Jersey

Yes

Amount

$1,000 – $50,000

Min Credit Score

600

APR

7.99% - 35.97%

Approval

< 1 Day

Terms

3 - 5 Years

Licensed in Jersey

Yes

Amount

$5,000 – $35,000

Min Credit Score

640

APR

5.99% – 24.99%

Approval

1 – 7 Days

Terms

2 - 5 Years

Licensed in Jersey

Yes

Amount

$2,500-$35,000

Min Credit Score

660

APR

6.99-24.99%

Approval

1 Day

Terms

24 - 84 Months

Licensed in Jersey

Yes

Amount

$7,500 - $40,000

Min Credit Score

680

APR

6 - 15%

Approval

1 - 7 Days

Terms

36 - 84 months

Licensed in Jersey

Yes

For more great options, see our full list of recommended lenders.

Shop Around

Our Loan Calculator Will Help You!

Loan Payment Calculator

$

Or

Monthly Payments

$0

Total Principal Paid$0

Total Interest Paid$0

Want this calculator on Your Site? Get it free from us copy the code below

<iframe id="best-loans-nj" name="best-loans-nj" src="https://www.elitepersonalfinance.com/calculators/loan-payment-calculator-source/" allowtransparency="true" onload="this.style.height=(this.contentDocument.body.scrollHeight+45) +'px';" scrolling="no" style="width:100%;border:none;"></iframe>

Payday Loan Laws in New Jersey 2020

Traditional payday loans are illegal in New Jersey.

Under ‘prohibited transactions,’ the law states, “No licensee, or any person acting on behalf of a licensee, shall: Cash or advance any money on a postdated check.”

Payday Loan Laws in New Jersey by Country

ElitePersonalFinance analysis of payday loan laws by countries in the State of New Jersey.

We haven’t found a significant difference between the payday loan laws in New Jersey. If you are with bad credit, here are the laws in New Jersey by country.

CityAmount AllowedAPR AllowedStatus
NewarkN/A30%Prohibited
Jersey CityN/A30%Prohibited
PatersonN/A30%Prohibited
ElizabethN/A30%Prohibited
EdisonN/A30%Prohibited
LakewoodN/A30%Prohibited
WoodbridgeN/A30%Prohibited
Toms RiverN/A30%Prohibited
Hamilton townshipN/A30%Prohibited
CliftonN/A30%Prohibited
TrentonN/A30%Prohibited
BrickN/A30%Prohibited
CamdenN/A30%Prohibited
Cherry HillN/A30%Prohibited
PassaicN/A30%Prohibited
Union CityN/A30%Prohibited
Old BridgeN/A30%Prohibited
MiddletownN/A30%Prohibited
FranklinN/A30%Prohibited
BayonneN/A30%Prohibited
East OrangeN/A30%Prohibited
GloucesterN/A30%Prohibited
North BergenN/A30%Prohibited
VinelandN/A30%Prohibited
Union townshipN/A30%Prohibited
PiscatawayN/A30%Prohibited
JacksonN/A30%Prohibited
New BrunswickN/A30%Prohibited
WayneN/A30%Prohibited
IrvingtonN/A30%Prohibited
HobokenN/A30%Prohibited
Parsippany-Troy HillsN/A30%Prohibited
West New YorkN/A30%Prohibited
HowellN/A30%Prohibited
Perth AmboyN/A30%Prohibited
PlainfieldN/A30%Prohibited
BloomfieldN/A30%Prohibited
East BrunswickN/A30%Prohibited
Washington townshipN/A30%Prohibited
West OrangeN/A30%Prohibited
South BrunswickN/A30%Prohibited
EveshamN/A30%Prohibited
BridgewaterN/A30%Prohibited
HackensackN/A30%Prohibited
SayrevilleN/A30%Prohibited
MonroeN/A30%Prohibited
ManchesterN/A30%Prohibited
Egg HarborN/A30%Prohibited
LindenN/A30%Prohibited
North BrunswickN/A30%Prohibited
BerkeleyN/A30%Prohibited
KearnyN/A30%Prohibited
Mount LaurelN/A30%Prohibited
TeaneckN/A30%Prohibited
MarlboroN/A30%Prohibited
ManalapanN/A30%Prohibited
HillsboroughN/A30%Prohibited
WinslowN/A30%Prohibited
Atlantic CityN/A30%Prohibited
MontclairN/A30%Prohibited
Fort LeeN/A30%Prohibited
Monroe townshipN/A30%Prohibited
GallowayN/A30%Prohibited
BellevilleN/A30%Prohibited
EwingN/A30%Prohibited
PennsaukenN/A30%Prohibited
FreeholdN/A30%Prohibited
Fair LawnN/A30%Prohibited
Lawrence townshipN/A30%Prohibited
GarfieldN/A30%Prohibited
WillingboroN/A30%Prohibited
PrincetonN/A30%Prohibited
Long BranchN/A30%Prohibited
City of OrangeN/A30%Prohibited
DeptfordN/A30%Prohibited
WestfieldN/A30%Prohibited
LivingstonN/A30%Prohibited
RahwayN/A30%Prohibited
VoorheesN/A30%Prohibited
Mount OliveN/A30%Prohibited
LaceyN/A30%Prohibited
NutleyN/A30%Prohibited
EnglewoodN/A30%Prohibited
West WindsorN/A30%Prohibited
MillvilleN/A30%Prohibited
NeptuneN/A30%Prohibited
BergenfieldN/A30%Prohibited
PembertonN/A30%Prohibited
East WindsorN/A30%Prohibited
BernardsN/A30%Prohibited
StaffordN/A30%Prohibited
OceanN/A30%Prohibited
ParamusN/A30%Prohibited
West MilfordN/A30%Prohibited
MahwahN/A30%Prohibited
HamiltonN/A30%Prohibited
WallN/A30%Prohibited
RandolphN/A30%Prohibited
RidgewoodN/A30%Prohibited
Cliffside ParkN/A30%Prohibited
BridgetonN/A30%Prohibited
RockawayN/A30%Prohibited
MaplewoodN/A30%Prohibited
LodiN/A30%Prohibited
Scotch PlainsN/A30%Prohibited
South PlainfieldN/A30%Prohibited
CranfordN/A30%Prohibited
CarteretN/A30%Prohibited
MedfordN/A30%Prohibited
RoxburyN/A30%Prohibited
PlainsboroN/A30%Prohibited
MontgomeryN/A30%Prohibited
BurlingtonN/A30%Prohibited
BarnegatN/A30%Prohibited
VernonN/A30%Prohibited
MorrisN/A30%Prohibited
RaritanN/A30%Prohibited
LyndhurstN/A30%Prohibited
SummitN/A30%Prohibited
HillsideN/A30%Prohibited
LowerN/A30%Prohibited
North PlainfieldN/A30%Prohibited
RoselleN/A30%Prohibited
MontvilleN/A30%Prohibited
West DeptfordN/A30%Prohibited
JeffersonN/A30%Prohibited
Little Egg HarborN/A30%Prohibited
Palisades ParkN/A30%Prohibited
MoorestownN/A30%Prohibited
PleasantvilleN/A30%Prohibited
MillburnN/A30%Prohibited
Elmwood ParkN/A30%Prohibited
HazletN/A30%Prohibited
GlassboroN/A30%Prohibited
SecaucusN/A30%Prohibited
SpartaN/A30%Prohibited
HawthorneN/A30%Prohibited
MorristownN/A30%Prohibited
Maple ShadeN/A30%Prohibited
Point PleasantN/A30%Prohibited
Washington townshipN/A30%Prohibited
MiddleN/A30%Prohibited
RutherfordN/A30%Prohibited
AberdeenN/A30%Prohibited
Hopewell townshipN/A30%Prohibited
DoverN/A30%Prohibited
Tinton FallsN/A30%Prohibited
DumontN/A30%Prohibited
SpringfieldN/A30%Prohibited
LindenwoldN/A30%Prohibited
WyckoffN/A30%Prohibited
DenvilleN/A30%Prohibited
DelranN/A30%Prohibited
HolmdelN/A30%Prohibited
New MilfordN/A30%Prohibited
Franklin townshipN/A30%Prohibited
CinnaminsonN/A30%Prohibited
South Orange VillageN/A30%Prohibited
Harrison townN/A30%Prohibited
South RiverN/A30%Prohibited
MadisonN/A30%Prohibited
ReadingtonN/A30%Prohibited
WarrenN/A30%Prohibited
North ArlingtonN/A30%Prohibited
Asbury ParkN/A30%Prohibited
ClarkN/A30%Prohibited
PequannockN/A30%Prohibited
MantuaN/A30%Prohibited
RamseyN/A30%Prohibited
TenaflyN/A30%Prohibited
HaddonN/A30%Prohibited
BranchburgN/A30%Prohibited
Little FallsN/A30%Prohibited
PhillipsburgN/A30%Prohibited
HanoverN/A30%Prohibited
HopatcongN/A30%Prohibited
WeehawkenN/A30%Prohibited
HammontonN/A30%Prohibited
FairviewN/A30%Prohibited
RobbinsvilleN/A30%Prohibited
Highland ParkN/A30%Prohibited
Saddle BrookN/A30%Prohibited
CollingswoodN/A30%Prohibited
MetuchenN/A30%Prohibited
MiddlesexN/A30%Prohibited
Roselle ParkN/A30%Prohibited
Berkeley HeightsN/A30%Prohibited
VeronaN/A30%Prohibited
OaklandN/A30%Prohibited
ClintonN/A30%Prohibited
Ridgefield ParkN/A30%Prohibited
HarrisonN/A30%Prohibited
New ProvidenceN/A30%Prohibited
PennsvilleN/A30%Prohibited
FlorenceN/A30%Prohibited
Cedar GroveN/A30%Prohibited
Woodland ParkN/A30%Prohibited
WoolwichN/A30%Prohibited
LumbertonN/A30%Prohibited
RingwoodN/A30%Prohibited
EatontownN/A30%Prohibited
EdgewaterN/A30%Prohibited
SomervilleN/A30%Prohibited
Red BankN/A30%Prohibited
Hasbrouck HeightsN/A30%Prohibited
BordentownN/A30%Prohibited
UpperN/A30%Prohibited
Freehold boroughN/A30%Prohibited
Glen RockN/A30%Prohibited
WanaqueN/A30%Prohibited
Florham ParkN/A30%Prohibited
WallingtonN/A30%Prohibited
River EdgeN/A30%Prohibited
GuttenbergN/A30%Prohibited
BellmawrN/A30%Prohibited
HaddonfieldN/A30%Prohibited
RidgefieldN/A30%Prohibited
Gloucester CityN/A30%Prohibited
BeachwoodN/A30%Prohibited
Ocean CityN/A30%Prohibited
WestwoodN/A30%Prohibited
East HanoverN/A30%Prohibited
Pompton LakesN/A30%Prohibited
WantageN/A30%Prohibited
Franklin LakesN/A30%Prohibited
West CaldwellN/A30%Prohibited
TotowaN/A30%Prohibited
Little FerryN/A30%Prohibited
WaterfordN/A30%Prohibited
Somers Point and MillstoneN/A30%Prohibited
Pine HillN/A30%Prohibited
East GreenwichN/A30%Prohibited
HillsdaleN/A30%Prohibited
ChathamN/A30%Prohibited
Lincoln ParkN/A30%Prohibited
Bound BrookN/A30%Prohibited
ManvilleN/A30%Prohibited
Ventnor CityN/A30%Prohibited
SouthamptonN/A30%Prohibited
KinnelonN/A30%Prohibited
River ValeN/A30%Prohibited
Colts Neck and WaldwickN/A30%Prohibited
WoodburyN/A30%Prohibited
Burlington cityN/A30%Prohibited
KeansburgN/A30%Prohibited
MaywoodN/A30%Prohibited
Mount HollyN/A30%Prohibited
HackettstownN/A30%Prohibited
East RutherfordN/A30%Prohibited
WashingtonN/A30%Prohibited
LeoniaN/A30%Prohibited
BrigantineN/A30%Prohibited
PittsgroveN/A30%Prohibited
Ocean townshipN/A30%Prohibited
Chatham boroughN/A30%Prohibited
PitmanN/A30%Prohibited
MatawanN/A30%Prohibited
Park RidgeN/A30%Prohibited
Edgewater ParkN/A30%Prohibited
CresskillN/A30%Prohibited
WestamptonN/A30%Prohibited
South AmboyN/A30%Prohibited
AudubonN/A30%Prohibited
Long HillN/A30%Prohibited
ClosterN/A30%Prohibited
ClaytonN/A30%Prohibited
Mansfield townshipN/A30%Prohibited
PlumstedN/A30%Prohibited
Wood-RidgeN/A30%Prohibited
North HaledonN/A30%Prohibited
MontvaleN/A30%Prohibited
BogotaN/A30%Prohibited
NorthfieldN/A30%Prohibited
HaledonN/A30%Prohibited
RunnemedeN/A30%Prohibited
Boonton townN/A30%Prohibited
SpotswoodN/A30%Prohibited
AbseconN/A30%Prohibited
LopatcongN/A30%Prohibited
Upper Saddle RiverN/A30%Prohibited
KenilworthN/A30%Prohibited
OradellN/A30%Prohibited
BedminsterN/A30%Prohibited
BloomingdaleN/A30%Prohibited
ByramN/A30%Prohibited
CaldwellN/A30%Prohibited
West Long BranchN/A30%Prohibited
NewtonN/A30%Prohibited
HardystonN/A30%Prohibited
RiversideN/A30%Prohibited
ChesterN/A30%Prohibited
Raritan boroughN/A30%Prohibited
Carneys PointN/A30%Prohibited
Maurice RiverN/A30%Prohibited
ButlerN/A30%Prohibited
BernardsvilleN/A30%Prohibited
EmersonN/A30%Prohibited
FanwoodN/A30%Prohibited
Glen RidgeN/A30%Prohibited
Berlin boroughN/A30%Prohibited
North HanoverN/A30%Prohibited
ChesterfieldN/A30%Prohibited
Haddon HeightsN/A30%Prohibited
Upper DeerfieldN/A30%Prohibited
MansfieldN/A30%Prohibited
Fairfield townshipN/A30%Prohibited
New Hanover and Buena VistaN/A30%Prohibited
DunellenN/A30%Prohibited
Midland ParkN/A30%Prohibited
PalmyraN/A30%Prohibited
Green BrookN/A30%Prohibited
KeyportN/A30%Prohibited
MilltownN/A30%Prohibited
StratfordN/A30%Prohibited
Upper FreeholdN/A30%Prohibited
TabernacleN/A30%Prohibited
LinwoodN/A30%Prohibited
MountainsideN/A30%Prohibited
RumsonN/A30%Prohibited
AllendaleN/A30%Prohibited
BarringtonN/A30%Prohibited
North CaldwellN/A30%Prohibited
WhartonN/A30%Prohibited
Washington boroughN/A30%Prohibited
Washington townshipN/A30%Prohibited
ShamongN/A30%Prohibited
Rockaway boroughN/A30%Prohibited
DennisN/A30%Prohibited
CarlstadtN/A30%Prohibited
FairfieldN/A30%Prohibited
LebanonN/A30%Prohibited
Margate CityN/A30%Prohibited
HainesportN/A30%Prohibited
WatchungN/A30%Prohibited
AndoverN/A30%Prohibited
MullicaN/A30%Prohibited
EastamptonN/A30%Prohibited
LoganN/A30%Prohibited
JamesburgN/A30%Prohibited
Fair HavenN/A30%Prohibited
PaulsboroN/A30%Prohibited
Old TappanN/A30%Prohibited
Little SilverN/A30%Prohibited
Prospect ParkN/A30%Prohibited
RoselandN/A30%Prohibited
TewksburyN/A30%Prohibited
NorwoodN/A30%Prohibited
Woodcliff LakeN/A30%Prohibited
ManasquanN/A30%Prohibited
MendhamN/A30%Prohibited
BlairstownN/A30%Prohibited
OceanportN/A30%Prohibited
BelmarN/A30%Prohibited
Morris PlainsN/A30%Prohibited
Rochelle ParkN/A30%Prohibited
UnionN/A30%Prohibited
Union BeachN/A30%Prohibited
GreenwichN/A30%Prohibited
Mount ArlingtonN/A30%Prohibited
IndependenceN/A30%Prohibited
BerlinN/A30%Prohibited
HightstownN/A30%Prohibited
SomerdaleN/A30%Prohibited
FrankfordN/A30%Prohibited
Englewood CliffsN/A30%Prohibited
HollandN/A30%Prohibited
WildwoodN/A30%Prohibited
CommercialN/A30%Prohibited
DemarestN/A30%Prohibited
Mendham boroughN/A30%Prohibited
HamptonN/A30%Prohibited
ClementonN/A30%Prohibited
NorthvaleN/A30%Prohibited
Penns GroveN/A30%Prohibited
Greenwich townshipN/A30%Prohibited
HighlandsN/A30%Prohibited
SalemN/A30%Prohibited
Franklin boroughN/A30%Prohibited
AlexandriaN/A30%Prohibited
Harrington ParkN/A30%Prohibited
WhiteN/A30%Prohibited
BrielleN/A30%Prohibited
Neptune CityN/A30%Prohibited
FlemingtonN/A30%Prohibited
Mount EphraimN/A30%Prohibited
Spring Lake HeightsN/A30%Prohibited
AllamuchyN/A30%Prohibited
South Bound BrookN/A30%Prohibited
Point Pleasant BeachN/A30%Prohibited
DelancoN/A30%Prohibited
DelawareN/A30%Prohibited
HopewellN/A30%Prohibited
BuenaN/A30%Prohibited
GarwoodN/A30%Prohibited
BoontonN/A30%Prohibited
Atlantic Highlands and MagnoliaN/A30%Prohibited
Mountain LakesN/A30%Prohibited
RiverdaleN/A30%Prohibited
Bradley BeachN/A30%Prohibited
WestvilleN/A30%Prohibited
Egg Harbor CityN/A30%Prohibited
ElkN/A30%Prohibited
Ho-Ho-KusN/A30%Prohibited
Shrewsbury boroughN/A30%Prohibited
Medford LakesN/A30%Prohibited
PilesgroveN/A30%Prohibited
OaklynN/A30%Prohibited
StillwaterN/A30%Prohibited
BethlehemN/A30%Prohibited
East AmwellN/A30%Prohibited
North WildwoodN/A30%Prohibited
HardingN/A30%Prohibited
Bordentown cityN/A30%Prohibited
CranburyN/A30%Prohibited
LambertvilleN/A30%Prohibited
KingwoodN/A30%Prohibited
South Toms RiverN/A30%Prohibited
MerchantvilleN/A30%Prohibited
MontagueN/A30%Prohibited
Mine HillN/A30%Prohibited
High BridgeN/A30%Prohibited
GreenN/A30%Prohibited
Cape MayN/A30%Prohibited
WoodstownN/A30%Prohibited
HaworthN/A30%Prohibited
Upper PittsgroveN/A30%Prohibited
TuckertonN/A30%Prohibited
StanhopeN/A30%Prohibited
AllowayN/A30%Prohibited
Springfield townshipN/A30%Prohibited
Franklin townshipN/A30%Prohibited
Monmouth BeachN/A30%Prohibited
PohatcongN/A30%Prohibited
FredonN/A30%Prohibited
Saddle RiverN/A30%Prohibited
NetcongN/A30%Prohibited
LawrenceN/A30%Prohibited
South HarrisonN/A30%Prohibited
HamburgN/A30%Prohibited
Wildwood CrestN/A30%Prohibited
DeerfieldN/A30%Prohibited
Franklin townshipN/A30%Prohibited
Long BeachN/A30%Prohibited

Best Auto Loans for Bad Credit in New Jersey 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in New Jersey

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in New Jersey

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in New Jersey

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in New Jersey

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in New Jersey

Yes

Amount

$8,000 - $100,000

Min Credit Score

500

APR

2.74% - 27%

Licensed in New Jersey

Yes

Amount

$1,000 - $100,000

Min Credit Score

500

APR

From 3.09%

Licensed in New Jersey

Yes

Amount

$250 - $500,000

Min Credit Score

640

APR

2.99% - 21.99%

Licensed in New Jersey

Yes

Amount

$1,500 - $20,000

Min Credit Score

0

APR

18.00% - 35.99%

Licensed in New Jersey

Yes

Amount

$1,000 - $45,000

Min Credit Score

0

APR

From 0.99%

Licensed in New Jersey

Yes

Amount

$1,000 - $35,000

Min Credit Score

0

APR

From 1.99%

Licensed in New Jersey

Yes

Amount

$7,500 - $50,000

Min Credit Score

500

APR

From 3.39%

Licensed in New Jersey

Yes

Amount

$5,000 – $55,000

Min Credit Score

510

APR

3.99% - 24.99%

Licensed in New Jersey

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

3.90% - 27.90%

Licensed in New Jersey

Yes

Best Auto Loans for Good Credit in New Jersey 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in New Jersey

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in New Jersey

Yes

Amount

$1,000 - $100,000

Min Credit Score

500

APR

From 3.09%

Licensed in New Jersey

Yes

Amount

$250 - $500,000

Min Credit Score

640

APR

2.99% - 21.99%

Licensed in New Jersey

Yes

Amount

$5,000-$100,000

Min Credit Score

660

APR

4.99% to 9.19%

Licensed in New Jersey

Yes

Amount

$7,500 - $50,000

Min Credit Score

500

APR

From 3.39%

Licensed in New Jersey

Yes

Amount

$8,000 - $100,000

Min Credit Score

500

APR

2.74% - 27%

Licensed in New Jersey

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

3.90% - 27.90%

Licensed in New Jersey

Yes

Amount

$3,000 - $100,000

Min Credit Score

650

APR

From 3.12%

Licensed in New Jersey

Yes

Amount

$5,000 - $100,000

Min Credit Score

640

APR

From 3.54%

Licensed in New Jersey

Yes

Amount

$5,000 – $55,000

Min Credit Score

510

APR

3.99% - 24.99%

Licensed in New Jersey

Yes

Amount

$5,000 - $100,000

Min Credit Score

600

APR

3.54% - 10.24%

Licensed in New Jersey

Yes

Amount

$1,500 - $20,000

Min Credit Score

0

APR

18.00% - 35.99%

Licensed in New Jersey

Yes

FHA Loans in New Jersey

New Jersey has 21 counties with FHA Limits ranging from a low of $331,760 for a 1-bedroom unit in Atlantic County to a high of $1,472,550 for a 4-bedroom unit in Bergen County.

CountySingle Unit Limit (lowest)Four-Plex Limit (highest)
Atlantic County$331,760$638,100
Bergen County$765,600$1,472,550
Burlington County$408,250$785,100
Camden County$408,250$785,100
Cape May County$414,000$796,150
Cumberland County$331,760$638,100
Essex County$765,600$1,472,550
Gloucester County$408,250$785,100
Hudson County$765,600$1,472,550
Hunterdon County$765,600$1,472,550
Mercer County$345,000$663,450
Middlesex County$765,600$1,472,550
Monmouth County$765,600$1,472,550
Morris County$765,600$1,472,550
Ocean County$765,600$1,472,550
Passaic County$765,600$1,472,550
Salem County$408,250$785,100
Somerset County$765,600$1,472,550
Sussex County$765,600$1,472,550
Union County$765,600$1,472,550
Warren County$372,600$716,550

Business Loans in New Jersey

Amount

Up to $10,000,000

APR

Vary

Min Credit Score

0

Licensed in New Jersey

Yes

Amount

$5,000 - $500,000

APR

9.77% - 35.98%

Min Credit Score

600

Licensed in New Jersey

Yes

Amount

$5,000 - $500,000

APR

5.99% – 35.99%

Min Credit Score

500

Licensed in New Jersey

Yes

Amount

Up to $250,000

APR

24% – 99%

Min Credit Score

560

Licensed in New Jersey

Yes

Amount

Up to $350,000

APR

9.28 - 10.52%

Min Credit Score

650

Licensed in New Jersey

Yes

Amount

Up to $350,000

APR

10.00 - 25.00%

Min Credit Score

680

Licensed in New Jersey

Yes

Amount

$75,000 - $5,000,000

APR

5.50 - 8.25%

Min Credit Score

650

Licensed in New Jersey

Yes

Amount

Up to $500,000

APR

12.18 - 36.00%

Min Credit Score

660

Licensed in New Jersey

Yes

Amount

Up to $500,000

APR

9.00 - 99.00%

Min Credit Score

600

Licensed in New Jersey

Yes

Amount

Up to $5,000,000

APR

15.00 - 78.00%

Min Credit Score

600

Licensed in New Jersey

Yes

Amount

Up to $1,000,000

APR

Vary

Min Credit Score

0

Licensed in New Jersey

Yes

Amount

$6,000 to $250,000

APR

Vary

Min Credit Score

0

Licensed in New Jersey

Yes

All Licensed Credit Unions in New Jersey

NameCitySize (Millions)Members
AFFINITY FEDERAL CREDIT UNIONBernards$2,139.80134410
SOUTH JERSEY FEDERAL CREDIT UNIONDeptford Township$305.6542924
CREDIT UNION OF NEW JERSEYEwing Township$297.6342518
ABCO FEDERAL CREDIT UNIONWestampton$161.4631931
NORTH JERSEY FEDERAL CREDIT UNIONTotowa$200.2729995
PROPONENT FEDERAL CREDIT UNIONNutley$507.7528546
FIRST ATLANTIC FEDERAL CREDIT UNIONEatontown$228.9327396
MERCK EMPLOYEES FEDERAL CREDIT UNIONRahway$1,681.6326054
JERSEY TRADES FEDERAL CREDIT UNIONParsippany-Troy Hills$69.6124481
PINNACLE FEDERAL CREDIT UNIONEdison$151.6123602
FINANCIAL RESOURCES FEDERAL CREDIT UNIONBridgewater$396.9323178
UNITED TELETECH FINANCIAL FEDERAL CREDIT UNIONTinton Falls$290.8623170
ASPIRE FEDERAL CREDIT UNIONClark$188.9821874
FIRST FINANCIAL FEDERAL CREDIT UNIONWall Township$175.0821695
HEALTHCARE EMPLOYEES FEDERAL CREDIT UNIONPrinceton$84.2919536
MCGRAW HILL FEDERAL CREDIT UNIONEast Windsor$277.4418899
THE ATLANTIC FEDERAL CREDIT UNIONKenilworth$276.0618313
GREATER ALLIANCE FEDERAL CREDIT UNIONParamus$155.0217126
PICATINNY FEDERAL CREDIT UNIONDover$277.7216102
LIBERTY SAVINGS FEDERAL CREDIT UNIONJersey City$62.6515973
XCEL FEDERAL CREDIT UNIONSecaucus$135.3615084
GARDEN SAVINGS FEDERAL CREDIT UNIONParsippany-Troy Hills$206.4614366
COUNTY EDUCATORS FEDERAL CREDIT UNIONRoselle Park$88.7313282
CAMPBELL EMPLOYEES FEDERAL CREDIT UNIONCamden$147.2513144
TRI-CO FEDERAL CREDIT UNIONRandolph$154.8211119
JERSEY SHORE FEDERAL CREDIT UNIONNorthfield$111.8310326
AUTOMATIC DATA PROCESSING FEDERAL CREDIT UNIONRoseland$60.7410086
NEW JERSEY LAW AND PUBLIC SAFETY CREDIT UNIONTrenton$42.1710051
CENTRAL JERSEY FEDERAL CREDIT UNIONWoodbridge Township$68.029848
RARITAN BAY FEDERAL CREDIT UNIONSayreville$70.069526
ADVANCED FINANCIAL FEDERAL CREDIT UNIONNew Providence$74.279280
FIRST JERSEY CREDIT UNIONWayne$127.969073
IRCO COMMUNITY FEDERAL CREDIT UNIONPhillipsburg$62.429032
DEEPWATER INDUSTRIES FEDERAL CREDIT UNIONPennsville Township$76.488866
BAY ATLANTIC FEDERAL CREDIT UNIONVineland$51.428619
RUTGERS FEDERAL CREDIT UNIONNew Brunswick$71.188599
RIEGEL FEDERAL CREDIT UNIONMilford$107.058217
PRINCETON FEDERAL CREDIT UNIONPrinceton$131.737839
MEMBER’S 1ST OF NJ FEDERAL CREDIT UNIONVineland$46.207063
BRIDGETON ONIZED FEDERAL CREDIT UNIONVineland$28.557007
MOTION FEDERAL CREDIT UNIONLinden$84.826844
NOVARTIS FEDERAL CREDIT UNIONEast Hanover$124.616605
B-M S FEDERAL CREDIT UNIONNew Brunswick$92.286200
MORRISTOWN FEDERAL CREDIT UNIONMorristown$63.335873
NEWARK BOARD OF EDUCATION EMPLOYEES CREDIT UNIONNewark$30.325323
SEAPORT FEDERAL CREDIT UNIONElizabeth$55.055025
MERCER COUNTY NJ TEACHERS FEDERAL CREDIT UNIONHamilton Township$29.324712
ATLANTIC CITY ELECTRIC CO EMP FEDERAL CREDIT UNIONHamilton Township$49.744460
COMMUNITY FINANCIAL SERVICES FEDERAL CREDIT UNIONRoselle$44.214366
SOUTHERN MIDDLESEX CO TCHRS FEDERAL CREDIT UNIONEast Brunswick$31.063985
FORT BILLINGS FEDERAL CREDIT UNIONPaulsboro$58.833831
HAMILTON HORIZONS FEDERAL CREDIT UNIONHamilton Township$28.073796
SELF RELIANCE (NJ) FEDERAL CREDIT UNIONClifton$97.583747
ATLANTIC HEALTH EMPLOYEES FEDERAL CREDIT UNIONSummit$16.243514
FINANCIAL ASSURANCE FEDERAL CREDIT UNIONJersey City$16.593494
SHOP-RITE FOODARAMA FEDERAL CREDIT UNIONFreehold$5.633483
H. E. TELEPHONE FEDERAL CREDIT UNIONRochelle Park$40.103347
GARDEN STATE FEDERAL CREDIT UNIONMoorestown$26.503180
BAKER FEDERAL CREDIT UNIONPhillipsburg$31.623162
NJ GATEWAY FEDERAL CREDIT UNIONSouth Brunswick Township$28.053010
GLOBAL 1 FEDERAL CREDIT UNIONPrinceton$7.852955
ESSEX COUNTY TEACHERS FEDERAL CREDIT UNIONBloomfield$12.132922
UNITED POLES FEDERAL CREDIT UNIONPerth Amboy$37.612857
JERSEY CENTRAL FEDERAL CREDIT UNIONCranford$17.122799
ATLANTIC CITY FIREMEN’S FEDERAL CREDIT UNIONNorthfield$16.582726
THUNDERBOLT AREA FEDERAL CREDIT UNIONMillville$17.192722
PUBLIC SERVICE FEDERAL CREDIT UNIONMiddlesex$25.922672
ESSEX DIVISION TELEPHONE FEDERAL CREDIT UNIONMaplewood$13.292655
NEW COMMUNITY FEDERAL CREDIT UNIONNewark$3.732593
LAKEHURST NAVAL FEDERAL CREDIT UNIONLakehurst$24.552490
UNITED FINANCIAL SERVICES FEDERAL CREDIT UNIONScotch Plains$20.132390
POSTAL EMPLOYEES CREDIT UNIONTrenton$41.542358
FEDERAL EMPLOYEES NEWARK FEDERAL CREDIT UNIONNewark$13.592299
OCNAC #1 FEDERAL CREDIT UNIONJersey City$5.162299
L’OREAL USA FEDERAL CREDIT UNIONMountainside$23.142279
NEW JERSEY COMMUNITY FEDERAL CREDIT UNIONMoorestown$8.222270
FAIRLEIGH DICKINSON UNIVERSTY FEDERAL CREDIT UNIONMadison$12.612251
UNION COUNTY EMPLOYEES FEDERAL CREDIT UNIONElizabeth$7.942234
ESSEX COUNTY NJ EMPLOYEES FEDERAL CREDIT UNIONNewark$5.952226
MIDDLESEX COUNTY N J EMP FEDERAL CREDIT UNIONNew Brunswick$8.722188
BARD EMPLOYEES FEDERAL CREDIT UNIONNew Providence$20.122148
MANVILLE AREA FEDERAL CREDIT UNIONManville$29.822131
HEALTH CARE OF NEW JERSEY FEDERAL CREDIT UNIONMt Holly$5.552118
DIVISION 819 TRANSIT EMPLOYEES CREDIT UNIONIrvington$21.292101
I F F EMPLOYEES FEDERAL CREDIT UNIONHazlet$12.062053
HOBOKEN SCHOOL EMPLOYEES FEDERAL CREDIT UNIONHoboken$44.772031
SOUTH BERGEN FEDERAL CREDIT UNIONGarfield$8.562010
COLGATE EMPLOYEES FEDERAL CREDIT UNIONPiscataway Township$8.702000
NEWARK FIREMEN FEDERAL CREDIT UNIONNewark$19.491978
TRENTON NJ POLICE FEDERAL CREDIT UNIONHamilton Township$21.081940
RESEARCH 1166 FEDERAL CREDIT UNIONPaulsboro$15.511814
N.Y. B & FMC FEDERAL CREDIT UNIONJersey City$6.591800
UNILEVER FEDERAL CREDIT UNIONEnglewood Cliffs$36.761746
NEWARK POLICE FEDERAL CREDIT UNIONNewark$5.201745
P.S.E. & G. NUCLEAR EMPLOYEES FEDERAL CREDIT UNIONLower Alloways Creek$8.241728
LINDEN NJ POLICE & FIREMEN FEDERAL CREDIT UNIONLinden$10.841678
FORT DIX FEDERAL CREDIT UNIONNew Hanover Township$7.901663
EAST ORANGE VA HOSPITAL FEDERAL CREDIT UNIONEast Orange$13.071659
ELIZABETH (N.J.) FIREMEN’S FEDERAL CREDIT UNIONElizabeth$8.581648
DOW JONES EMPLOYEES FEDERAL CREDIT UNIONPrinceton$15.771644
VAH LYONS EMPLOYEES FEDERAL CREDIT UNIONLyons$34.741630
JERSEY CITY POLICE FEDERAL CREDIT UNIONJersey City$9.651578
MONMOUTH COUNTY POSTAL EMPLOYEES CREDIT UNIONRed Bank$26.481566
HARRISON POLICE & FIREMEN’S FEDERAL CREDIT UNIONHarrison$21.711516
BERGEN DIVISION FEDERAL CREDIT UNIONBerkeley Township$7.311502
WAKEFERN FEDERAL CREDIT UNIONElizabeth$7.681446
NEW BRUNSWICK POSTAL FEDERAL CREDIT UNIONNew Brunswick$10.311410
PUBLIC SERVICE PLAZA FEDERAL CREDIT UNIONNewark$19.831369
JERSEY CITY FIREMEN FEDERAL CREDIT UNIONJersey City$8.901359
WEST ORANGE MUNICIPAL FEDERAL CREDIT UNIONWest Orange$7.561354
P S E FEDERAL CREDIT UNIONFranklin Township$10.821337
ENERGY PEOPLE FEDERAL CREDIT UNIONMedford$15.301332
LINDE EMPLOYEES FEDERAL CREDIT UNIONNew Providence$5.951310
TEANECK FEDERAL CREDIT UNIONTeaneck$11.651300
UFCW OF AMERICA FEDERAL CREDIT UNIONMoorestown$3.171299
BLOOMFIELD FIRE AND POLICE FEDERAL CREDIT UNIONBloomfield$7.631295
CAMCO COMMUNITY FEDERAL CREDIT UNIONMoorestown$7.911267
PATH FEDERAL CREDIT UNIONJersey City$12.301202
ACCO PRINCETON FEDERAL CREDIT UNIONHamilton Township$18.911190
PEOPLES TRANSPORT FEDERAL CREDIT UNIONMt Ephraim$6.271184
PUBLIC SERVICE H C EMPLOYEES FEDERAL CREDIT UNIONBrick$8.711166
MID-STATE FEDERAL CREDIT UNIONCarteret$17.791100
LOCAL 194-6 FEDERAL CREDIT UNIONMarlboro$4.061098
NEWARK POST OFFICE EMPLOYEES CREDIT UNIONNewark$3.941088
WEST HUDSON TEACHERS FEDERAL CREDIT UNIONNorth Arlington$6.331062
SOUTH JERSEY GAS EMPLOYEES FEDERAL CREDIT UNIONHammonton$10.231044
MONTCLAIR POSTAL EMPLOYEES CREDIT UNIONWest Caldwell$7.101022
TRENTON NJ FIREMEN FEDERAL CREDIT UNIONTrenton$5.561018
N.J.T. EMPLOYEES FEDERAL CREDIT UNIONWaldwick$9.271004
METREX FEDERAL CREDIT UNIONKenilworth$4.59997
I.L.A. LOCAL 1235 FEDERAL CREDIT UNIONNewark$7.59984
HMC (NJ) FEDERAL CREDIT UNIONFlemington$5.56973
UNITY FEDERAL CREDIT UNIONCollingswood$4.35951
BAYONNE CITY EMPLOYEES FEDERAL CREDIT UNIONBayonne$5.15937
1ST BERGEN FEDERAL CREDIT UNIONHackensack$1.40933
KEARNY MUNICIPAL EMPLOYEES FEDERAL CREDIT UNIONKearny$9.39928
PATERSON POLICE FEDERAL CREDIT UNIONPaterson$4.71852
BAYONNE SCHOOL EMPLOYEES FEDERAL CREDIT UNIONBayonne$1.66840
ERIE LACKAWANNA RAILROAD CO EMP FEDERAL CREDIT UNIONHoboken$5.12839
UNITED INVESTORS FEDERAL CREDIT UNIONLinden$4.22821
ACUME CREDIT UNIONMoorestown$4.18792
HOBOKEN N J POLICE FEDERAL CREDIT UNIONHoboken$10.56777
TRENTON TEACHERS FEDERAL CREDIT UNIONTrenton$2.36763
GOYA FOODS EMPLOYEES FEDERAL CREDIT UNIONSecaucus$8.43740
LOCAL 1233 FEDERAL CREDIT UNIONNewark$7.48723
ATLANTIC COUNTY NJ EMPLOYEES FEDERAL CREDIT UNIONNorthfield$2.44715
RENAISSANCE COMMUNITY DEVELOPMENT C CREDIT UNIONFranklin Township$1.13705
NWNJ FEDERAL FEDERAL CREDIT UNIONDenville$2.02704
BAYONNE HOSPITAL EMPLOYEES FEDERAL CREDIT UNIONBayonne$5.23701
PARLIN DUPONT EMPLOYEES FEDERAL CREDIT UNIONSayreville$4.23701
ST. ANDREW KIM FEDERAL CREDIT UNIONPalisades Park$2.70698
GAF LINDEN EMPLOYEES FEDERAL CREDIT UNIONWayne$4.78677
CLIFTON NJ POSTAL EMPLOYEES FEDERAL CREDIT UNIONClifton$3.37636
OCEAN COUNTY EMPLOYEES FEDERAL CREDIT UNIONToms River$1.94636
PLAINFIELD POLICE & FIREMEN’S FEDERAL CREDIT UNIONPlainfield$5.19610
BERGEN FEDERAL CREDIT UNIONWanaque$2.49586
CITY OF TRENTON EMPLOYEES CREDIT UNIONTrenton$1.44572
ELIZABETH POLICE DEPARTMENT E FEDERAL CREDIT UNIONElizabeth$3.93566
PEACH TREE HILL FEDERAL CREDIT UNIONHampton Township$3.05528
PASSAIC POLICE FEDERAL CREDIT UNIONPassaic$3.95525
RANCOCAS FEDERAL CREDIT UNIONWillingboro Township$2.83501
PUBLIC SERVICE E.D. TRENTON FEDERAL CREDIT UNIONHamilton Township$4.20492
EAST ORANGE FIREMENS FEDERAL CREDIT UNIONEast Orange$7.23482
RUTHERFORD POSTAL DISTRICT EM FEDERAL CREDIT UNIONRutherford$7.85478
PRIME FEDERAL CREDIT UNIONRaritan$2.72464
PORT IVORY FEDERAL CREDIT UNIONAvenel$3.13438
PISCATAWAY TOWNSHIP EMPLOYEES FEDERAL CREDIT UNIONPiscataway Township$1.89428
CAMDEN POLICE FEDERAL CREDIT UNIONCamden$1.75418
DEFENSE LOGISTICS FEDERAL CREDIT UNIONPicatinny Ars$1.08406
ATLANTIC CITY POLICE FEDERAL CREDIT UNIONNorthfield$1.93387
M & C MENLO PARK FEDERAL CREDIT UNIONWoodbridge Township$1.91379
FRANKLIN-ST. JOHNS CREDIT UNIONNewark$0.23368
P S BURLINGTON EMPLOYEES FEDERAL CREDIT UNIONDelran$1.37343
CRIERS FEDERAL CREDIT UNIONMonroe Township$1.75342
N. J. LATVIAN FEDERAL CREDIT UNIONEast Brunswick$8.81315
NEW JERSEY BUREAU OF PAROLE EMPLOYE CREDIT UNIONTrenton$1.68299
RUNNELLS HOSPITAL EMPLOYEES FEDERAL CREDIT UNIONBerkeley Heights$0.54294
W. K. FEDERAL CREDIT UNIONBelleville$0.96278
P.S. LOCAL 821 FEDERAL CREDIT UNIONJersey City$1.15274
HEARD A.M.E. FEDERAL CREDIT UNIONRoselle$0.31266
ELIZABETH POSTAL EMPLOYEES CREDIT UNIONElizabeth$0.87261
PLAINFIELD CREDIT UNIONPlainfield$1.32259
MERCER COUNTY IMPROVEMENT AUTHORITY FEDERAL CREDIT UNIONHamilton Township$0.40253
PASSAIC POSTAL EMPLOYEES CREDIT UNIONPassaic$0.67239
NESTLE (FREEHOLD) EMPLOYEES FEDERAL CREDIT UNIONFreehold$2.04237
ISRAEL MEMORIAL A M E FEDERAL CREDIT UNIONNewark$0.69228
OKO CAL FEDERAL CREDIT UNIONPaterson$0.81226
MESSIAH BAPTIST CHURCH FEDERAL CREDIT UNIONEast Orange$0.25213
FIRST BAPTIST CHURCH CRANFORD NJ CREDIT UNIONCranford$0.14202
SPOTSWOOD EMPLOYEES FEDERAL CREDIT UNIONEast Brunswick$0.89188
CAMDEN FIREMEN’S CREDIT UNIONMoorestown$0.49167
DELAWARE RIVER EMPLOYEES FEDERAL CREDIT UNIONLogan Township$0.84160
F. C. FEDERAL CREDIT UNIONCherry Hill$0.79160
LOCAL 32 ASBESTOS WORKERS FEDERAL CREDIT UNIONHighland Park$0.21150
LAKEWOOD COMMUNITY FEDERAL CREDIT UNIONLakewood Township$0.09137
TERMINALS FEDERAL CREDIT UNIONCarteret$1.02130
PUBLIC SERVICE SEWAREN FEDERAL CREDIT UNIONWoodbridge Township$0.55124
SALEM BAPTIST FEDERAL CREDIT UNIONJersey City$0.12120
K & E EMPLOYEES FEDERAL CREDIT UNIONHoboken$1.24111
MOUNT ZION A M E CHURCH FEDERAL CREDIT UNIONTrenton$0.07106
BEST FOOD BAYONNE EMPLOYEES FEDERAL CREDIT UNIONBayonne$0.8796
BETHANY BAPTIST FEDERAL CREDIT UNIONFarmingdale$0.0482
BAY RIDGE LODGE NO 632 FEDERAL CREDIT UNIONMarlboro$0.0843

Recommended Articles

Debt

Best Personal Loans for Bad and Good Credit in Vermont, Payday Loan Laws 2020

EPF March 7, 2020

View All Studies [toc] [sc name="loans_shop_around"] Best Personal Loans for Bad Credit in Vermont 2020 [sc name="loans_vermont_bad_credit"] Best Good Credit Loans in Vermont 2020 [sc name="loans_vermont_good_credit"] Payday Loan Laws in Vermont 2020 According to the law in Vermont, payday loans...

Debt

Best Personal Loans for Bad and Good Credit in West Virginia, Payday Loan Laws 2020

EPF March 7, 2020

View All Studies [toc] [sc name="loans_shop_around"] Best Personal Loans for Bad Credit in West Virginia 2020 [sc name="loans_west_virginia_bad_credit"] Best Good Credit Loans in West Virginia 2020 [sc name="loans_west_virginia_good_credit"] You can also check out our full list of recommended lenders. Shop...

AS SEEN ON