New Jersey Personal Loan Laws and Regulations in (NJ)

(last updated 11/13/2019)

Legal Maximum Rate of Interest
6.00% or up to 16.00% for contracts (31:1 -1); loans in excess of 30% or 50% in limited liability to corporations are not allowed (2C:21-19)

Loan of over $50,000; savings and loans; banks; Department of Housing and Urban Affairs and other organizations authorized by the Emergency Home Finance Act of 1970. See more below.
This information is for informational purposes only. Although care has been taken to accurately describe the laws and regulations in New Jersey, no guarantees are implied or expressed about its accuracy. This is not legal advice. If you need legal advice, please consult an attorney or the New Jersey Department of Banking and Insurance.
The following classes of lending organizations may be exempt from some, all, or none of the regulations and laws set by the state of New Jersey. Federally chartered banks, state chartered banks, credit unions and some entities organized under the laws of a sovereign nation (for example) a Native American Tribe or the country of Antigua.

New Jersey Personal Loan Lending Regulator (NJ)

Regulating Authority
New Jersey Department of Banking and Insurance
20 West State Street
PO Box 325
Trenton, NJ 08625

Agency for Handling Complaints
New Jersey Department of Banking and Insurance
Consumer Inquiry and Response Center (“CIRC”)
PO Box 471
Trenton , NJ 08625-0471
(609) 292-7272


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