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New Jersey (NJ) lender directory

Installment Loans in New Jersey

Looking for a lender near you in New Jersey? Pick your city below. We list 17 stores in 17 New Jersey cities, built from lenders' own store pages. Data last checked October 9, 2026.

Payday loans in New Jersey: over 30% is criminal usury →

Title loans in New Jersey: over 30% is criminal usury →

Lenders by city

Lending rules in New Jersey

Rules marked "medium confidence" were checked against a published copy of the statute because the official site was unavailable to us. Confirm them with the official text before relying on them.

General rules

  • A loan at more than 30 percent a year is not at a rate authorized or permitted by law, so charging it is criminal usury (50 percent if the borrower is a corporation or LLC). Source: N.J.S.A. 2C:21-19(a) · verified Oct 9, 2026 · medium confidence
  • Knowingly making usurious loans as a business is a second-degree crime with a fine of up to $250,000. Source: N.J.S.A. 2C:21-19(b) · verified Oct 9, 2026 · medium confidence

Installment and consumer finance loans

  • No one may engage in business as a consumer lender or sales finance company without first getting a license under the Consumer Finance Licensing Act. Source: N.J.S.A. 17:11C-3(a) · verified Oct 9, 2026 · medium confidence
  • A licensed consumer lender may lend up to $50,000, repayable in installments, at the annual percentage rate agreed with the borrower. Source: N.J.S.A. 17:11C-32(a) · verified Oct 9, 2026 · medium confidence

Lenders in New Jersey are licensed by the New Jersey Department of Banking and Insurance (DOBI). See also online lenders and apps in New Jersey.

Questions people ask

Are payday loans legal in New Jersey?

We list no payday loan stores in New Jersey. A loan at more than 30 percent a year is not at a rate authorized or permitted by law, so charging it is criminal usury (50 percent if the borrower is a corporation or LLC) (N.J.S.A. 2C:21-19(a)).

How many installment lenders are in New Jersey?

We list 17 installment lenders in New Jersey, in 17 cities.

Which New Jersey cities have the most lenders?

Bordentown (1), Cape May Court House (1), Cranford (1), Elmwood Park (1) and Iselin (1).

How do I check a lender's license in New Jersey?

Lenders in New Jersey are licensed by the New Jersey Department of Banking and Insurance (DOBI). Contact the regulator, or use NMLS Consumer Access for lenders licensed through NMLS.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.

  1. OneMain Financial branches (NJ) · 17 locations Last verified Oct 15, 2026
  2. OpenStreetMap (Overpass API), NJ · 1 location Last verified Oct 15, 2026 © OpenStreetMap contributors, ODbL 1.0
  3. N.J.S.A. 2C:21-19(a), N.J.S.A. 2C:21-19(b) · General rules Last verified Oct 9, 2026 · medium confidence
  4. N.J.S.A. 17:11C-3(a) · Installment and consumer finance loans Last verified Oct 9, 2026 · medium confidence
  5. N.J.S.A. 17:11C-32(a) · Installment and consumer finance loans Last verified Oct 9, 2026 · medium confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.