New Jersey Cash Advance Laws & Regulations

Gathering all legal information and resources regarding cash advances in New Jersey

At this time, traditional payday loans are prohibited in the state of New Jersey. There has been a resurgence of debate to bring payday lending back into the state, so the law is still subject to change. Check back frequently with CashAdvance.com to keep thoroughly informed.

Here are some specific New Jersey regulations, to protect consumers from predatory lending in the payday loan industry:

Maximum Payday Loan Term
N/A
Maximum Finance Charges and Fees
N/A
Maximum Loan Amount
N/A
Number of Rollovers
N/A
Outstanding Loans Allowed at Once
N/A
Cool-Off Period
N/A

Payment Plan
N/A
Collection Fees
N/A
Presentment Limit
N/A
Private Right of Action
N/A
Military Protection
N/A
Penalties
N/A

References:

Office of The Attorney General
Mail: P.O. Box 080
Trenton, NJ 08625-0080
Phone: (609)-292-4925
Web: http://www.nj.gov/lps

Information by City

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Consumer Notice: A cash advance, also referred to as a payday loan or payday advance, is a small, short-term loan that is intended to cover a borrower's expenses until the following payday. Cash advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Consumers are encouraged to consult our State Consumer Resource pages to learn more about the risks involved with cash advances, local laws and regulations that may be applicable to cash advances, possible loan alternatives and recent developments in their state.

Legal Disclaimer: This website does not constitute an offer or solicitation to lend. CashAdvance.com is not a lender, does not broker loans, and does not make loan or credit decisions. The operator of this Web Site is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. CashAdvance.com provides a service only and is not acting as a representative, agent, or correspondent for any service provider or lender. CashAdvance.com's aim is to inform users of possible lenders who may be able to satisfy the needs of a particular consumer. CashAdvance.com does not endorse any particular service provider, lender, nor loan product. You are under no obligation to use CashAdvance.com's service to initiate contact, nor apply for credit or any loan product with any service provider or lender. Service providers or lenders will typically not perform credit checks with the three major credit reporting bureaus: Experian, Equifax, or Trans Union. However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders, in certain circumstances. You will not be charged any fees to use CashAdvance.com's service. Learn more on our Rates & Fees section.

Availability: Residents of some states may not be eligible for a short term cash loan based upon lender requirements. CashAdvance.com does not guarantee that completing an inquiry form will result in you being matched with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender.