Best Loans in New Jersey, Payday, Auto Title Laws of January 2025

Elite Personal Finance
Last Update: December 1, 2024 Loans By State
Best Loans in All States

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 of January 2025

Amount:

$100 - $15,000

Min. Credit Score:

0

APR:

5.99% - 35.99%

Approval:

5 Minutes

Terms:

1 - 72 Months

Licensed in New Jersey:

Yes

Amount:

$1,000 - $50,000

Min. Credit Score:

300

APR:

5.6% - 35.99%

Approval:

5 Minutes

Terms:

3 - 5 Years

Licensed in New Jersey:

Yes

Amount:

$100 - $40,000

Min. Credit Score:

0

APR:

5.99% - 35.99%

Approval:

5 Minutes

Terms:

1 - 60 Months

Licensed in New Jersey:

Yes

Amount:

$100 - $15,000

Min. Credit Score:

0

APR:

5.99% - 35.99%

Approval:

5 Minutes

Terms:

1 - 60 Months

Licensed in New Jersey:

Yes

Amount:

$100 - $40,000

Min. Credit Score:

0

APR:

5.99% - 35.99%

Approval:

5 Minutes

Terms:

1 - 60 Months

Licensed in New Jersey:

Yes

Amount:

$200 - $5,000

Min. Credit Score:

0

APR:

5.99% - 35.99%

Approval:

5 Minutes

Terms:

1 - 60 Months

Licensed in New Jersey:

Yes

Amount:

$1,000 - $100,000

Min. Credit Score:

0

APR:

5.99% - 35.99%

Approval:

< 1 Day

Terms:

12 - 120 Months

Licensed in New 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 New Jersey:

Yes

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 of January 2025

Amount:

$1,000 - $100,000

Min. Credit Score:

0

APR:

4.99 - 35.99%

Approval:

1 Day

Terms:

12 - 120 months

Licensed in New 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 New 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 New 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 New 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 New 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 New 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 New 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 New Jersey:

Yes

Amount:

$7,500 - $40,000

Min. Credit Score:

680

APR:

6 - 15%

Approval:

1 - 7 Days

Terms:

36 - 84 months

Licensed in New Jersey:

Yes

Payday Loan Laws in New Jersey of January 2025

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 of January 2025

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.

City: Amount Allowed: APR Allowed: Status:
Newark N/A 30% Prohibited
Jersey City N/A 30% Prohibited
Paterson N/A 30% Prohibited
Elizabeth N/A 30% Prohibited
Edison N/A 30% Prohibited
Lakewood N/A 30% Prohibited
Woodbridge N/A 30% Prohibited
Toms River N/A 30% Prohibited
Hamilton township N/A 30% Prohibited
Clifton N/A 30% Prohibited
Trenton N/A 30% Prohibited
Brick N/A 30% Prohibited
Camden N/A 30% Prohibited
Cherry Hill N/A 30% Prohibited
Passaic N/A 30% Prohibited
Union City N/A 30% Prohibited
Old Bridge N/A 30% Prohibited
Middletown N/A 30% Prohibited
Franklin N/A 30% Prohibited
Bayonne N/A 30% Prohibited
East Orange N/A 30% Prohibited
Gloucester N/A 30% Prohibited
North Bergen N/A 30% Prohibited
Vineland N/A 30% Prohibited
Union township N/A 30% Prohibited
Piscataway N/A 30% Prohibited
Jackson N/A 30% Prohibited
New Brunswick N/A 30% Prohibited
Wayne N/A 30% Prohibited
Irvington N/A 30% Prohibited
Hoboken N/A 30% Prohibited
Parsippany-Troy Hills N/A 30% Prohibited
West New York N/A 30% Prohibited
Howell N/A 30% Prohibited
Perth Amboy N/A 30% Prohibited
Plainfield N/A 30% Prohibited
Bloomfield N/A 30% Prohibited
East Brunswick N/A 30% Prohibited
Washington township N/A 30% Prohibited
West Orange N/A 30% Prohibited
South Brunswick N/A 30% Prohibited
Evesham N/A 30% Prohibited
Bridgewater N/A 30% Prohibited
Hackensack N/A 30% Prohibited
Sayreville N/A 30% Prohibited
Monroe N/A 30% Prohibited
Manchester N/A 30% Prohibited
Egg Harbor N/A 30% Prohibited
Linden N/A 30% Prohibited
North Brunswick N/A 30% Prohibited
Berkeley N/A 30% Prohibited
Kearny N/A 30% Prohibited
Mount Laurel N/A 30% Prohibited
Teaneck N/A 30% Prohibited
Marlboro N/A 30% Prohibited
Manalapan N/A 30% Prohibited
Hillsborough N/A 30% Prohibited
Winslow N/A 30% Prohibited
Atlantic City N/A 30% Prohibited
Montclair N/A 30% Prohibited
Fort Lee N/A 30% Prohibited
Monroe township N/A 30% Prohibited
Galloway N/A 30% Prohibited
Belleville N/A 30% Prohibited
Ewing N/A 30% Prohibited
Pennsauken N/A 30% Prohibited
Freehold N/A 30% Prohibited
Fair Lawn N/A 30% Prohibited
Lawrence township N/A 30% Prohibited
Garfield N/A 30% Prohibited
Willingboro N/A 30% Prohibited
Princeton N/A 30% Prohibited
Long Branch N/A 30% Prohibited
City of Orange N/A 30% Prohibited
Deptford N/A 30% Prohibited
Westfield N/A 30% Prohibited
Livingston N/A 30% Prohibited
Rahway N/A 30% Prohibited
Voorhees N/A 30% Prohibited
Mount Olive N/A 30% Prohibited
Lacey N/A 30% Prohibited
Nutley N/A 30% Prohibited
Englewood N/A 30% Prohibited
West Windsor N/A 30% Prohibited
Millville N/A 30% Prohibited
Neptune N/A 30% Prohibited
Bergenfield N/A 30% Prohibited
Pemberton N/A 30% Prohibited
East Windsor N/A 30% Prohibited
Bernards N/A 30% Prohibited
Stafford N/A 30% Prohibited
Ocean N/A 30% Prohibited
Paramus N/A 30% Prohibited
West Milford N/A 30% Prohibited
Mahwah N/A 30% Prohibited
Hamilton N/A 30% Prohibited
Wall N/A 30% Prohibited
Randolph N/A 30% Prohibited
Ridgewood N/A 30% Prohibited
Cliffside Park N/A 30% Prohibited
Bridgeton N/A 30% Prohibited
Rockaway N/A 30% Prohibited
Maplewood N/A 30% Prohibited
Lodi N/A 30% Prohibited
Scotch Plains N/A 30% Prohibited
South Plainfield N/A 30% Prohibited
Cranford N/A 30% Prohibited
Carteret N/A 30% Prohibited
Medford N/A 30% Prohibited
Roxbury N/A 30% Prohibited
Plainsboro N/A 30% Prohibited
Montgomery N/A 30% Prohibited
Burlington N/A 30% Prohibited
Barnegat N/A 30% Prohibited
Vernon N/A 30% Prohibited
Morris N/A 30% Prohibited
Raritan N/A 30% Prohibited
Lyndhurst N/A 30% Prohibited
Summit N/A 30% Prohibited
Hillside N/A 30% Prohibited
Lower N/A 30% Prohibited
North Plainfield N/A 30% Prohibited
Roselle N/A 30% Prohibited
Montville N/A 30% Prohibited
West Deptford N/A 30% Prohibited
Jefferson N/A 30% Prohibited
Little Egg Harbor N/A 30% Prohibited
Palisades Park N/A 30% Prohibited
Moorestown N/A 30% Prohibited
Pleasantville N/A 30% Prohibited
Millburn N/A 30% Prohibited
Elmwood Park N/A 30% Prohibited
Hazlet N/A 30% Prohibited
Glassboro N/A 30% Prohibited
Secaucus N/A 30% Prohibited
Sparta N/A 30% Prohibited
Hawthorne N/A 30% Prohibited
Morristown N/A 30% Prohibited
Maple Shade N/A 30% Prohibited
Point Pleasant N/A 30% Prohibited
Washington township N/A 30% Prohibited
Middle N/A 30% Prohibited
Rutherford N/A 30% Prohibited
Aberdeen N/A 30% Prohibited
Hopewell township N/A 30% Prohibited
Dover N/A 30% Prohibited
Tinton Falls N/A 30% Prohibited
Dumont N/A 30% Prohibited
Springfield N/A 30% Prohibited
Lindenwold N/A 30% Prohibited
Wyckoff N/A 30% Prohibited
Denville N/A 30% Prohibited
Delran N/A 30% Prohibited
Holmdel N/A 30% Prohibited
New Milford N/A 30% Prohibited
Franklin township N/A 30% Prohibited
Cinnaminson N/A 30% Prohibited
South Orange Village N/A 30% Prohibited
Harrison town N/A 30% Prohibited
South River N/A 30% Prohibited
Madison N/A 30% Prohibited
Readington N/A 30% Prohibited
Warren N/A 30% Prohibited
North Arlington N/A 30% Prohibited
Asbury Park N/A 30% Prohibited
Clark N/A 30% Prohibited
Pequannock N/A 30% Prohibited
Mantua N/A 30% Prohibited
Ramsey N/A 30% Prohibited
Tenafly N/A 30% Prohibited
Haddon N/A 30% Prohibited
Branchburg N/A 30% Prohibited
Little Falls N/A 30% Prohibited
Phillipsburg N/A 30% Prohibited
Hanover N/A 30% Prohibited
Hopatcong N/A 30% Prohibited
Weehawken N/A 30% Prohibited
Hammonton N/A 30% Prohibited
Fairview N/A 30% Prohibited
Robbinsville N/A 30% Prohibited
Highland Park N/A 30% Prohibited
Saddle Brook N/A 30% Prohibited
Collingswood N/A 30% Prohibited
Metuchen N/A 30% Prohibited
Middlesex N/A 30% Prohibited
Roselle Park N/A 30% Prohibited
Berkeley Heights N/A 30% Prohibited
Verona N/A 30% Prohibited
Oakland N/A 30% Prohibited
Clinton N/A 30% Prohibited
Ridgefield Park N/A 30% Prohibited
Harrison N/A 30% Prohibited
New Providence N/A 30% Prohibited
Pennsville N/A 30% Prohibited
Florence N/A 30% Prohibited
Cedar Grove N/A 30% Prohibited
Woodland Park N/A 30% Prohibited
Woolwich N/A 30% Prohibited
Lumberton N/A 30% Prohibited
Ringwood N/A 30% Prohibited
Eatontown N/A 30% Prohibited
Edgewater N/A 30% Prohibited
Somerville N/A 30% Prohibited
Red Bank N/A 30% Prohibited
Hasbrouck Heights N/A 30% Prohibited
Bordentown N/A 30% Prohibited
Upper N/A 30% Prohibited
Freehold borough N/A 30% Prohibited
Glen Rock N/A 30% Prohibited
Wanaque N/A 30% Prohibited
Florham Park N/A 30% Prohibited
Wallington N/A 30% Prohibited
River Edge N/A 30% Prohibited
Guttenberg N/A 30% Prohibited
Bellmawr N/A 30% Prohibited
Haddonfield N/A 30% Prohibited
Ridgefield N/A 30% Prohibited
Gloucester City N/A 30% Prohibited
Beachwood N/A 30% Prohibited
Ocean City N/A 30% Prohibited
Westwood N/A 30% Prohibited
East Hanover N/A 30% Prohibited
Pompton Lakes N/A 30% Prohibited
Wantage N/A 30% Prohibited
Franklin Lakes N/A 30% Prohibited
West Caldwell N/A 30% Prohibited
Totowa N/A 30% Prohibited
Little Ferry N/A 30% Prohibited
Waterford N/A 30% Prohibited
Somers Point and Millstone N/A 30% Prohibited
Pine Hill N/A 30% Prohibited
East Greenwich N/A 30% Prohibited
Hillsdale N/A 30% Prohibited
Chatham N/A 30% Prohibited
Lincoln Park N/A 30% Prohibited
Bound Brook N/A 30% Prohibited
Manville N/A 30% Prohibited
Ventnor City N/A 30% Prohibited
Southampton N/A 30% Prohibited
Kinnelon N/A 30% Prohibited
River Vale N/A 30% Prohibited
Colts Neck and Waldwick N/A 30% Prohibited
Woodbury N/A 30% Prohibited
Burlington city N/A 30% Prohibited
Keansburg N/A 30% Prohibited
Maywood N/A 30% Prohibited
Mount Holly N/A 30% Prohibited
Hackettstown N/A 30% Prohibited
East Rutherford N/A 30% Prohibited
Washington N/A 30% Prohibited
Leonia N/A 30% Prohibited
Brigantine N/A 30% Prohibited
Pittsgrove N/A 30% Prohibited
Ocean township N/A 30% Prohibited
Chatham borough N/A 30% Prohibited
Pitman N/A 30% Prohibited
Matawan N/A 30% Prohibited
Park Ridge N/A 30% Prohibited
Edgewater Park N/A 30% Prohibited
Cresskill N/A 30% Prohibited
Westampton N/A 30% Prohibited
South Amboy N/A 30% Prohibited
Audubon N/A 30% Prohibited
Long Hill N/A 30% Prohibited
Closter N/A 30% Prohibited
Clayton N/A 30% Prohibited
Mansfield township N/A 30% Prohibited
Plumsted N/A 30% Prohibited
Wood-Ridge N/A 30% Prohibited
North Haledon N/A 30% Prohibited
Montvale N/A 30% Prohibited
Bogota N/A 30% Prohibited
Northfield N/A 30% Prohibited
Haledon N/A 30% Prohibited
Runnemede N/A 30% Prohibited
Boonton town N/A 30% Prohibited
Spotswood N/A 30% Prohibited
Absecon N/A 30% Prohibited
Lopatcong N/A 30% Prohibited
Upper Saddle River N/A 30% Prohibited
Kenilworth N/A 30% Prohibited
Oradell N/A 30% Prohibited
Bedminster N/A 30% Prohibited
Bloomingdale N/A 30% Prohibited
Byram N/A 30% Prohibited
Caldwell N/A 30% Prohibited
West Long Branch N/A 30% Prohibited
Newton N/A 30% Prohibited
Hardyston N/A 30% Prohibited
Riverside N/A 30% Prohibited
Chester N/A 30% Prohibited
Raritan borough N/A 30% Prohibited
Carneys Point N/A 30% Prohibited
Maurice River N/A 30% Prohibited
Butler N/A 30% Prohibited
Bernardsville N/A 30% Prohibited
Emerson N/A 30% Prohibited
Fanwood N/A 30% Prohibited
Glen Ridge N/A 30% Prohibited
Berlin borough N/A 30% Prohibited
North Hanover N/A 30% Prohibited
Chesterfield N/A 30% Prohibited
Haddon Heights N/A 30% Prohibited
Upper Deerfield N/A 30% Prohibited
Mansfield N/A 30% Prohibited
Fairfield township N/A 30% Prohibited
New Hanover and Buena Vista N/A 30% Prohibited
Dunellen N/A 30% Prohibited
Midland Park N/A 30% Prohibited
Palmyra N/A 30% Prohibited
Green Brook N/A 30% Prohibited
Keyport N/A 30% Prohibited
Milltown N/A 30% Prohibited
Stratford N/A 30% Prohibited
Upper Freehold N/A 30% Prohibited
Tabernacle N/A 30% Prohibited
Linwood N/A 30% Prohibited
Mountainside N/A 30% Prohibited
Rumson N/A 30% Prohibited
Allendale N/A 30% Prohibited
Barrington N/A 30% Prohibited
North Caldwell N/A 30% Prohibited
Wharton N/A 30% Prohibited
Washington borough N/A 30% Prohibited
Washington township N/A 30% Prohibited
Shamong N/A 30% Prohibited
Rockaway borough N/A 30% Prohibited
Dennis N/A 30% Prohibited
Carlstadt N/A 30% Prohibited
Fairfield N/A 30% Prohibited
Lebanon N/A 30% Prohibited
Margate City N/A 30% Prohibited
Hainesport N/A 30% Prohibited
Watchung N/A 30% Prohibited
Andover N/A 30% Prohibited
Mullica N/A 30% Prohibited
Eastampton N/A 30% Prohibited
Logan N/A 30% Prohibited
Jamesburg N/A 30% Prohibited
Fair Haven N/A 30% Prohibited
Paulsboro N/A 30% Prohibited
Old Tappan N/A 30% Prohibited
Little Silver N/A 30% Prohibited
Prospect Park N/A 30% Prohibited
Roseland N/A 30% Prohibited
Tewksbury N/A 30% Prohibited
Norwood N/A 30% Prohibited
Woodcliff Lake N/A 30% Prohibited
Manasquan N/A 30% Prohibited
Mendham N/A 30% Prohibited
Blairstown N/A 30% Prohibited
Oceanport N/A 30% Prohibited
Belmar N/A 30% Prohibited
Morris Plains N/A 30% Prohibited
Rochelle Park N/A 30% Prohibited
Union N/A 30% Prohibited
Union Beach N/A 30% Prohibited
Greenwich N/A 30% Prohibited
Mount Arlington N/A 30% Prohibited
Independence N/A 30% Prohibited
Berlin N/A 30% Prohibited
Hightstown N/A 30% Prohibited
Somerdale N/A 30% Prohibited
Frankford N/A 30% Prohibited
Englewood Cliffs N/A 30% Prohibited
Holland N/A 30% Prohibited
Wildwood N/A 30% Prohibited
Commercial N/A 30% Prohibited
Demarest N/A 30% Prohibited
Mendham borough N/A 30% Prohibited
Hampton N/A 30% Prohibited
Clementon N/A 30% Prohibited
Northvale N/A 30% Prohibited
Penns Grove N/A 30% Prohibited
Greenwich township N/A 30% Prohibited
Highlands N/A 30% Prohibited
Salem N/A 30% Prohibited
Franklin borough N/A 30% Prohibited
Alexandria N/A 30% Prohibited
Harrington Park N/A 30% Prohibited
White N/A 30% Prohibited
Brielle N/A 30% Prohibited
Neptune City N/A 30% Prohibited
Flemington N/A 30% Prohibited
Mount Ephraim N/A 30% Prohibited
Spring Lake Heights N/A 30% Prohibited
Allamuchy N/A 30% Prohibited
South Bound Brook N/A 30% Prohibited
Point Pleasant Beach N/A 30% Prohibited
Delanco N/A 30% Prohibited
Delaware N/A 30% Prohibited
Hopewell N/A 30% Prohibited
Buena N/A 30% Prohibited
Garwood N/A 30% Prohibited
Boonton N/A 30% Prohibited
Atlantic Highlands and Magnolia N/A 30% Prohibited
Mountain Lakes N/A 30% Prohibited
Riverdale N/A 30% Prohibited
Bradley Beach N/A 30% Prohibited
Westville N/A 30% Prohibited
Egg Harbor City N/A 30% Prohibited
Elk N/A 30% Prohibited
Ho-Ho-Kus N/A 30% Prohibited
Shrewsbury borough N/A 30% Prohibited
Medford Lakes N/A 30% Prohibited
Pilesgrove N/A 30% Prohibited
Oaklyn N/A 30% Prohibited
Stillwater N/A 30% Prohibited
Bethlehem N/A 30% Prohibited
East Amwell N/A 30% Prohibited
North Wildwood N/A 30% Prohibited
Harding N/A 30% Prohibited
Bordentown city N/A 30% Prohibited
Cranbury N/A 30% Prohibited
Lambertville N/A 30% Prohibited
Kingwood N/A 30% Prohibited
South Toms River N/A 30% Prohibited
Merchantville N/A 30% Prohibited
Montague N/A 30% Prohibited
Mine Hill N/A 30% Prohibited
High Bridge N/A 30% Prohibited
Green N/A 30% Prohibited
Cape May N/A 30% Prohibited
Woodstown N/A 30% Prohibited
Haworth N/A 30% Prohibited
Upper Pittsgrove N/A 30% Prohibited
Tuckerton N/A 30% Prohibited
Stanhope N/A 30% Prohibited
Alloway N/A 30% Prohibited
Springfield township N/A 30% Prohibited
Franklin township N/A 30% Prohibited
Monmouth Beach N/A 30% Prohibited
Pohatcong N/A 30% Prohibited
Fredon N/A 30% Prohibited
Saddle River N/A 30% Prohibited
Netcong N/A 30% Prohibited
Lawrence N/A 30% Prohibited
South Harrison N/A 30% Prohibited
Hamburg N/A 30% Prohibited
Wildwood Crest N/A 30% Prohibited
Deerfield N/A 30% Prohibited
Franklin township N/A 30% Prohibited
Long Beach N/A 30% Prohibited

Best Auto Loans for Bad Credit in New Jersey of January 2025

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 of January 2025

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 of January 2025

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.

County: Single 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 of January 2025

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 of January 2025

Name: City: Size (Millions): Members:
AFFINITY FEDERAL CREDIT UNION Bernards $2,139.80 134410
SOUTH JERSEY FEDERAL CREDIT UNION Deptford Township $305.65 42924
CREDIT UNION OF NEW JERSEY Ewing Township $297.63 42518
ABCO FEDERAL CREDIT UNION Westampton $161.46 31931
NORTH JERSEY FEDERAL CREDIT UNION Totowa $200.27 29995
PROPONENT FEDERAL CREDIT UNION Nutley $507.75 28546
FIRST ATLANTIC FEDERAL CREDIT UNION Eatontown $228.93 27396
MERCK EMPLOYEES FEDERAL CREDIT UNION Rahway $1,681.63 26054
JERSEY TRADES FEDERAL CREDIT UNION Parsippany-Troy Hills $69.61 24481
PINNACLE FEDERAL CREDIT UNION Edison $151.61 23602
FINANCIAL RESOURCES FEDERAL CREDIT UNION Bridgewater $396.93 23178
UNITED TELETECH FINANCIAL FEDERAL CREDIT UNION Tinton Falls $290.86 23170
ASPIRE FEDERAL CREDIT UNION Clark $188.98 21874
FIRST FINANCIAL FEDERAL CREDIT UNION Wall Township $175.08 21695
HEALTHCARE EMPLOYEES FEDERAL CREDIT UNION Princeton $84.29 19536
MCGRAW HILL FEDERAL CREDIT UNION East Windsor $277.44 18899
THE ATLANTIC FEDERAL CREDIT UNION Kenilworth $276.06 18313
GREATER ALLIANCE FEDERAL CREDIT UNION Paramus $155.02 17126
PICATINNY FEDERAL CREDIT UNION Dover $277.72 16102
LIBERTY SAVINGS FEDERAL CREDIT UNION Jersey City $62.65 15973
XCEL FEDERAL CREDIT UNION Secaucus $135.36 15084
GARDEN SAVINGS FEDERAL CREDIT UNION Parsippany-Troy Hills $206.46 14366
COUNTY EDUCATORS FEDERAL CREDIT UNION Roselle Park $88.73 13282
CAMPBELL EMPLOYEES FEDERAL CREDIT UNION Camden $147.25 13144
TRI-CO FEDERAL CREDIT UNION Randolph $154.82 11119
JERSEY SHORE FEDERAL CREDIT UNION Northfield $111.83 10326
AUTOMATIC DATA PROCESSING FEDERAL CREDIT UNION Roseland $60.74 10086
NEW JERSEY LAW AND PUBLIC SAFETY CREDIT UNION Trenton $42.17 10051
CENTRAL JERSEY FEDERAL CREDIT UNION Woodbridge Township $68.02 9848
RARITAN BAY FEDERAL CREDIT UNION Sayreville $70.06 9526
ADVANCED FINANCIAL FEDERAL CREDIT UNION New Providence $74.27 9280
FIRST JERSEY CREDIT UNION Wayne $127.96 9073
IRCO COMMUNITY FEDERAL CREDIT UNION Phillipsburg $62.42 9032
DEEPWATER INDUSTRIES FEDERAL CREDIT UNION Pennsville Township $76.48 8866
BAY ATLANTIC FEDERAL CREDIT UNION Vineland $51.42 8619
RUTGERS FEDERAL CREDIT UNION New Brunswick $71.18 8599
RIEGEL FEDERAL CREDIT UNION Milford $107.05 8217
PRINCETON FEDERAL CREDIT UNION Princeton $131.73 7839
MEMBER’S 1ST OF NJ FEDERAL CREDIT UNION Vineland $46.20 7063
BRIDGETON ONIZED FEDERAL CREDIT UNION Vineland $28.55 7007
MOTION FEDERAL CREDIT UNION Linden $84.82 6844
NOVARTIS FEDERAL CREDIT UNION East Hanover $124.61 6605
B-M S FEDERAL CREDIT UNION New Brunswick $92.28 6200
MORRISTOWN FEDERAL CREDIT UNION Morristown $63.33 5873
NEWARK BOARD OF EDUCATION EMPLOYEES CREDIT UNION Newark $30.32 5323
SEAPORT FEDERAL CREDIT UNION Elizabeth $55.05 5025
MERCER COUNTY NJ TEACHERS FEDERAL CREDIT UNION Hamilton Township $29.32 4712
ATLANTIC CITY ELECTRIC CO EMP FEDERAL CREDIT UNION Hamilton Township $49.74 4460
COMMUNITY FINANCIAL SERVICES FEDERAL CREDIT UNION Roselle $44.21 4366
SOUTHERN MIDDLESEX CO TCHRS FEDERAL CREDIT UNION East Brunswick $31.06 3985
FORT BILLINGS FEDERAL CREDIT UNION Paulsboro $58.83 3831
HAMILTON HORIZONS FEDERAL CREDIT UNION Hamilton Township $28.07 3796
SELF RELIANCE (NJ) FEDERAL CREDIT UNION Clifton $97.58 3747
ATLANTIC HEALTH EMPLOYEES FEDERAL CREDIT UNION Summit $16.24 3514
FINANCIAL ASSURANCE FEDERAL CREDIT UNION Jersey City $16.59 3494
SHOP-RITE FOODARAMA FEDERAL CREDIT UNION Freehold $5.63 3483
H. E. TELEPHONE FEDERAL CREDIT UNION Rochelle Park $40.10 3347
GARDEN STATE FEDERAL CREDIT UNION Moorestown $26.50 3180
BAKER FEDERAL CREDIT UNION Phillipsburg $31.62 3162
NJ GATEWAY FEDERAL CREDIT UNION South Brunswick Township $28.05 3010
GLOBAL 1 FEDERAL CREDIT UNION Princeton $7.85 2955
ESSEX COUNTY TEACHERS FEDERAL CREDIT UNION Bloomfield $12.13 2922
UNITED POLES FEDERAL CREDIT UNION Perth Amboy $37.61 2857
JERSEY CENTRAL FEDERAL CREDIT UNION Cranford $17.12 2799
ATLANTIC CITY FIREMEN’S FEDERAL CREDIT UNION Northfield $16.58 2726
THUNDERBOLT AREA FEDERAL CREDIT UNION Millville $17.19 2722
PUBLIC SERVICE FEDERAL CREDIT UNION Middlesex $25.92 2672
ESSEX DIVISION TELEPHONE FEDERAL CREDIT UNION Maplewood $13.29 2655
NEW COMMUNITY FEDERAL CREDIT UNION Newark $3.73 2593
LAKEHURST NAVAL FEDERAL CREDIT UNION Lakehurst $24.55 2490
UNITED FINANCIAL SERVICES FEDERAL CREDIT UNION Scotch Plains $20.13 2390
POSTAL EMPLOYEES CREDIT UNION Trenton $41.54 2358
FEDERAL EMPLOYEES NEWARK FEDERAL CREDIT UNION Newark $13.59 2299
OCNAC #1 FEDERAL CREDIT UNION Jersey City $5.16 2299
L’OREAL USA FEDERAL CREDIT UNION Mountainside $23.14 2279
NEW JERSEY COMMUNITY FEDERAL CREDIT UNION Moorestown $8.22 2270
FAIRLEIGH DICKINSON UNIVERSTY FEDERAL CREDIT UNION Madison $12.61 2251
UNION COUNTY EMPLOYEES FEDERAL CREDIT UNION Elizabeth $7.94 2234
ESSEX COUNTY NJ EMPLOYEES FEDERAL CREDIT UNION Newark $5.95 2226
MIDDLESEX COUNTY N J EMP FEDERAL CREDIT UNION New Brunswick $8.72 2188
BARD EMPLOYEES FEDERAL CREDIT UNION New Providence $20.12 2148
MANVILLE AREA FEDERAL CREDIT UNION Manville $29.82 2131
HEALTH CARE OF NEW JERSEY FEDERAL CREDIT UNION Mt Holly $5.55 2118
DIVISION 819 TRANSIT EMPLOYEES CREDIT UNION Irvington $21.29 2101
I F F EMPLOYEES FEDERAL CREDIT UNION Hazlet $12.06 2053
HOBOKEN SCHOOL EMPLOYEES FEDERAL CREDIT UNION Hoboken $44.77 2031
SOUTH BERGEN FEDERAL CREDIT UNION Garfield $8.56 2010
COLGATE EMPLOYEES FEDERAL CREDIT UNION Piscataway Township $8.70 2000
NEWARK FIREMEN FEDERAL CREDIT UNION Newark $19.49 1978
TRENTON NJ POLICE FEDERAL CREDIT UNION Hamilton Township $21.08 1940
RESEARCH 1166 FEDERAL CREDIT UNION Paulsboro $15.51 1814
N.Y. B & FMC FEDERAL CREDIT UNION Jersey City $6.59 1800
UNILEVER FEDERAL CREDIT UNION Englewood Cliffs $36.76 1746
NEWARK POLICE FEDERAL CREDIT UNION Newark $5.20 1745
P.S.E. & G. NUCLEAR EMPLOYEES FEDERAL CREDIT UNION Lower Alloways Creek $8.24 1728
LINDEN NJ POLICE & FIREMEN FEDERAL CREDIT UNION Linden $10.84 1678
FORT DIX FEDERAL CREDIT UNION New Hanover Township $7.90 1663
EAST ORANGE VA HOSPITAL FEDERAL CREDIT UNION East Orange $13.07 1659
ELIZABETH (N.J.) FIREMEN’S FEDERAL CREDIT UNION Elizabeth $8.58 1648
DOW JONES EMPLOYEES FEDERAL CREDIT UNION Princeton $15.77 1644
VAH LYONS EMPLOYEES FEDERAL CREDIT UNION Lyons $34.74 1630
JERSEY CITY POLICE FEDERAL CREDIT UNION Jersey City $9.65 1578
MONMOUTH COUNTY POSTAL EMPLOYEES CREDIT UNION Red Bank $26.48 1566
HARRISON POLICE & FIREMEN’S FEDERAL CREDIT UNION Harrison $21.71 1516
BERGEN DIVISION FEDERAL CREDIT UNION Berkeley Township $7.31 1502
WAKEFERN FEDERAL CREDIT UNION Elizabeth $7.68 1446
NEW BRUNSWICK POSTAL FEDERAL CREDIT UNION New Brunswick $10.31 1410
PUBLIC SERVICE PLAZA FEDERAL CREDIT UNION Newark $19.83 1369
JERSEY CITY FIREMEN FEDERAL CREDIT UNION Jersey City $8.90 1359
WEST ORANGE MUNICIPAL FEDERAL CREDIT UNION West Orange $7.56 1354
P S E FEDERAL CREDIT UNION Franklin Township $10.82 1337
ENERGY PEOPLE FEDERAL CREDIT UNION Medford $15.30 1332
LINDE EMPLOYEES FEDERAL CREDIT UNION New Providence $5.95 1310
TEANECK FEDERAL CREDIT UNION Teaneck $11.65 1300
UFCW OF AMERICA FEDERAL CREDIT UNION Moorestown $3.17 1299
BLOOMFIELD FIRE AND POLICE FEDERAL CREDIT UNION Bloomfield $7.63 1295
CAMCO COMMUNITY FEDERAL CREDIT UNION Moorestown $7.91 1267
PATH FEDERAL CREDIT UNION Jersey City $12.30 1202
ACCO PRINCETON FEDERAL CREDIT UNION Hamilton Township $18.91 1190
PEOPLES TRANSPORT FEDERAL CREDIT UNION Mt Ephraim $6.27 1184
PUBLIC SERVICE H C EMPLOYEES FEDERAL CREDIT UNION Brick $8.71 1166
MID-STATE FEDERAL CREDIT UNION Carteret $17.79 1100
LOCAL 194-6 FEDERAL CREDIT UNION Marlboro $4.06 1098
NEWARK POST OFFICE EMPLOYEES CREDIT UNION Newark $3.94 1088
WEST HUDSON TEACHERS FEDERAL CREDIT UNION North Arlington $6.33 1062
SOUTH JERSEY GAS EMPLOYEES FEDERAL CREDIT UNION Hammonton $10.23 1044
MONTCLAIR POSTAL EMPLOYEES CREDIT UNION West Caldwell $7.10 1022
TRENTON NJ FIREMEN FEDERAL CREDIT UNION Trenton $5.56 1018
N.J.T. EMPLOYEES FEDERAL CREDIT UNION Waldwick $9.27 1004
METREX FEDERAL CREDIT UNION Kenilworth $4.59 997
I.L.A. LOCAL 1235 FEDERAL CREDIT UNION Newark $7.59 984
HMC (NJ) FEDERAL CREDIT UNION Flemington $5.56 973
UNITY FEDERAL CREDIT UNION Collingswood $4.35 951
BAYONNE CITY EMPLOYEES FEDERAL CREDIT UNION Bayonne $5.15 937
1ST BERGEN FEDERAL CREDIT UNION Hackensack $1.40 933
KEARNY MUNICIPAL EMPLOYEES FEDERAL CREDIT UNION Kearny $9.39 928
PATERSON POLICE FEDERAL CREDIT UNION Paterson $4.71 852
BAYONNE SCHOOL EMPLOYEES FEDERAL CREDIT UNION Bayonne $1.66 840
ERIE LACKAWANNA RAILROAD CO EMP FEDERAL CREDIT UNION Hoboken $5.12 839
UNITED INVESTORS FEDERAL CREDIT UNION Linden $4.22 821
ACUME CREDIT UNION Moorestown $4.18 792
HOBOKEN N J POLICE FEDERAL CREDIT UNION Hoboken $10.56 777
TRENTON TEACHERS FEDERAL CREDIT UNION Trenton $2.36 763
GOYA FOODS EMPLOYEES FEDERAL CREDIT UNION Secaucus $8.43 740
LOCAL 1233 FEDERAL CREDIT UNION Newark $7.48 723
ATLANTIC COUNTY NJ EMPLOYEES FEDERAL CREDIT UNION Northfield $2.44 715
RENAISSANCE COMMUNITY DEVELOPMENT C CREDIT UNION Franklin Township $1.13 705
NWNJ FEDERAL FEDERAL CREDIT UNION Denville $2.02 704
BAYONNE HOSPITAL EMPLOYEES FEDERAL CREDIT UNION Bayonne $5.23 701
PARLIN DUPONT EMPLOYEES FEDERAL CREDIT UNION Sayreville $4.23 701
ST. ANDREW KIM FEDERAL CREDIT UNION Palisades Park $2.70 698
GAF LINDEN EMPLOYEES FEDERAL CREDIT UNION Wayne $4.78 677
CLIFTON NJ POSTAL EMPLOYEES FEDERAL CREDIT UNION Clifton $3.37 636
OCEAN COUNTY EMPLOYEES FEDERAL CREDIT UNION Toms River $1.94 636
PLAINFIELD POLICE & FIREMEN’S FEDERAL CREDIT UNION Plainfield $5.19 610
BERGEN FEDERAL CREDIT UNION Wanaque $2.49 586
CITY OF TRENTON EMPLOYEES CREDIT UNION Trenton $1.44 572
ELIZABETH POLICE DEPARTMENT E FEDERAL CREDIT UNION Elizabeth $3.93 566
PEACH TREE HILL FEDERAL CREDIT UNION Hampton Township $3.05 528
PASSAIC POLICE FEDERAL CREDIT UNION Passaic $3.95 525
RANCOCAS FEDERAL CREDIT UNION Willingboro Township $2.83 501
PUBLIC SERVICE E.D. TRENTON FEDERAL CREDIT UNION Hamilton Township $4.20 492
EAST ORANGE FIREMENS FEDERAL CREDIT UNION East Orange $7.23 482
RUTHERFORD POSTAL DISTRICT EM FEDERAL CREDIT UNION Rutherford $7.85 478
PRIME FEDERAL CREDIT UNION Raritan $2.72 464
PORT IVORY FEDERAL CREDIT UNION Avenel $3.13 438
PISCATAWAY TOWNSHIP EMPLOYEES FEDERAL CREDIT UNION Piscataway Township $1.89 428
CAMDEN POLICE FEDERAL CREDIT UNION Camden $1.75 418
DEFENSE LOGISTICS FEDERAL CREDIT UNION Picatinny Ars $1.08 406
ATLANTIC CITY POLICE FEDERAL CREDIT UNION Northfield $1.93 387
M & C MENLO PARK FEDERAL CREDIT UNION Woodbridge Township $1.91 379
FRANKLIN-ST. JOHNS CREDIT UNION Newark $0.23 368
P S BURLINGTON EMPLOYEES FEDERAL CREDIT UNION Delran $1.37 343
CRIERS FEDERAL CREDIT UNION Monroe Township $1.75 342
N. J. LATVIAN FEDERAL CREDIT UNION East Brunswick $8.81 315
NEW JERSEY BUREAU OF PAROLE EMPLOYE CREDIT UNION Trenton $1.68 299
RUNNELLS HOSPITAL EMPLOYEES FEDERAL CREDIT UNION Berkeley Heights $0.54 294
W. K. FEDERAL CREDIT UNION Belleville $0.96 278
P.S. LOCAL 821 FEDERAL CREDIT UNION Jersey City $1.15 274
HEARD A.M.E. FEDERAL CREDIT UNION Roselle $0.31 266
ELIZABETH POSTAL EMPLOYEES CREDIT UNION Elizabeth $0.87 261
PLAINFIELD CREDIT UNION Plainfield $1.32 259
MERCER COUNTY IMPROVEMENT AUTHORITY FEDERAL CREDIT UNION Hamilton Township $0.40 253
PASSAIC POSTAL EMPLOYEES CREDIT UNION Passaic $0.67 239
NESTLE (FREEHOLD) EMPLOYEES FEDERAL CREDIT UNION Freehold $2.04 237
ISRAEL MEMORIAL A M E FEDERAL CREDIT UNION Newark $0.69 228
OKO CAL FEDERAL CREDIT UNION Paterson $0.81 226
MESSIAH BAPTIST CHURCH FEDERAL CREDIT UNION East Orange $0.25 213
FIRST BAPTIST CHURCH CRANFORD NJ CREDIT UNION Cranford $0.14 202
SPOTSWOOD EMPLOYEES FEDERAL CREDIT UNION East Brunswick $0.89 188
CAMDEN FIREMEN’S CREDIT UNION Moorestown $0.49 167
DELAWARE RIVER EMPLOYEES FEDERAL CREDIT UNION Logan Township $0.84 160
F. C. FEDERAL CREDIT UNION Cherry Hill $0.79 160
LOCAL 32 ASBESTOS WORKERS FEDERAL CREDIT UNION Highland Park $0.21 150
LAKEWOOD COMMUNITY FEDERAL CREDIT UNION Lakewood Township $0.09 137
TERMINALS FEDERAL CREDIT UNION Carteret $1.02 130
PUBLIC SERVICE SEWAREN FEDERAL CREDIT UNION Woodbridge Township $0.55 124
SALEM BAPTIST FEDERAL CREDIT UNION Jersey City $0.12 120
K & E EMPLOYEES FEDERAL CREDIT UNION Hoboken $1.24 111
MOUNT ZION A M E CHURCH FEDERAL CREDIT UNION Trenton $0.07 106
BEST FOOD BAYONNE EMPLOYEES FEDERAL CREDIT UNION Bayonne $0.87 96
BETHANY BAPTIST FEDERAL CREDIT UNION Farmingdale $0.04 82
BAY RIDGE LODGE NO 632 FEDERAL CREDIT UNION Marlboro $0.08 43
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