New Jersey Payday Loans

New Jersey payday loans do not have any legal status. The state does not specifically allow or prohibit payday loans. But you should not infer from this that you cannot get short term cash advances or New Jersey payday loans. This is probably done by small family businesses and online companies operating solely through the Internet. The amount of money, the interest rate, the duration, etc. is determined by these companies.

These companies do not have a cap on the maximum amount of loan they may provide to their borrowers as New Jersey payday loans. The rate of interest or the fees, along with the APR these companies charge from you is also set by these companies. The duration for which these loans are provided will also be as per the terms of the company. All of these, however, might vary from company to company. You are then suggested to conduct a proper market study about these companies and choose the one which will best suit your needs.

New Jersey Payday Loans: Laws & Regulations

Since the New Jersey payday loans law is absolutely silent about everything that relates to payday loans, it does not provide for anything that relates to rollovers as well. The choice of having a rollover would depend solely on the fact of whether your company allows it and whether you want to rollover your loan. Rolling over an the extension may or may not be allowed in the case of online payday loan companies. In rollovers you have to pay the fees again, without paying the original loan amount.

new jersey payday loans

You are suggested to go through the terms of the loan carefully. You should have clear information and idea about what you are agreeing to, how much will you be charged, what will be the APR on the New Jersey payday loans, and if you could do rollovers. The online companies do not have any legal check on them. The position in the state is quite confusing. Under these circumstances, the state of New Jersey should actually take some measures either to legalize or to completely discard the idea of New Jersey payday loans. Please add any further suggestions, personal experiences, tips, comments, and updates using the form at the bottom.

United Check Cashing

This New Jersey payday loans company offers a wide arrangement of services like check cashing, money transfer; money orders, bill payment, prepaid MasterCards, tax services and New Jersey payday loans and other services. They claim themselves as a pioneer in check cashing services. They have been in financial services since 1977. All they require form you is that you should be 18 years of age, have an active checking account, a job, and an active phone number. You can make use of their services by filling an easy online application form. Give them a call at 609-631-0940 or visit their website at

Discount Advances

This New Jersey payday loans lender provides payday loans in emergency needs. This lender claims that they specialize in providing short term cash advances. They claim to provide lowest rate in the industry. They claim to provide secure online cash advance. They claim to provide hassle free services and deposit the check directly to your account. All they require of you is, you should be of 18 years old and have an active checking account that has been active for not less than 90 days. Give them a call at 866-804-4266 or visit their website at

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