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New Jersey lender directory

Payday Loans in New Jersey: Over 30% Is Criminal Usury. Here Are the Legal Options

We list no payday loan stores in New Jersey, and New Jersey law caps what lenders can charge. Below is what the law says, and the licensed ways to borrow in New Jersey that we track.

What New Jersey law says

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

A loan to someone in New Jersey has to stay within this limit unless the lender is licensed or otherwise authorized by New Jersey law to charge more. We list no payday loan stores in New Jersey; the licensed options we track are below.

Licensed lenders in New Jersey

These types of lenders operate legally in New Jersey, each under its own rules and costs. Compare the total cost before you borrow.

If someone offers you a payday loan in New Jersey

Some lenders based in other states or online still advertise payday loans to New Jersey residents. A loan from a lender that is not licensed in New Jersey may not come with the protections that licensed lenders must give, such as cost limits and complaint rights. Before you borrow, check that the lender is licensed in New Jersey.

To report a lender or ask a question, contact the New Jersey Department of Banking and Insurance (DOBI).

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)).

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

Sources

Where the facts on this page come from, and when we last checked them.

  1. N.J.S.A. 2C:21-19(a) · Interest rate cap Last verified Oct 9, 2026 · medium confidence
  2. New Jersey Department of Banking and Insurance (DOBI) · Licensing and complaints Date not recorded

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.