Best Loans in New Jersey, Payday, Auto Title Laws of October 2024
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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 October 2024
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