New Jersey Cash Advance and Payday Loans

What are the minimum requirements to apply for a payday loan?

  • 18 years of age or older
  • U.S. Citizenship Valid checking or savings account with direct deposit
  • Regular income of at least $1,000 per month
  • Not a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard (or a dependent thereof), serving on active duty under a call or order that does not specify a period of 30 days or fewer

Are you looking for an online payday loan in New Jersey? Submit the easy form and if approved we can connect to dozens of lenders that may be able to lend you up to $1,000!

 

 

The basics of how payday loans work.

If you have found yourself in a financially tough spot, it can be overwhelming trying to figure out how you are going to manage your way through it. Luckily, payday loans serve as a wonderful guide to help navigate individuals through an economic crisis. They can prove to be especially helpful to those with bankruptcy on their credit score or to those with bad credit or none at all. Payday loan lenders do not require a credit check in order to dictate approval. Rather, the borrower’s pay check serves as collateral to ensure the payday loan will be repaid upon the upcoming pay date; thus the name ‘payday loan.’

The information below provides a quick overview of commonly asked questions people often have regarding payday loans.

What is a payday loan?
A payday loan is a loan offered on a short-term basis, typically set to be repaid upon the borrower’s next pay date.

How long does it take to get a payday loan in New Jersey?
Payday loans are designed to be quick in all aspects. In most cases, the application takes only a matter of minutes to complete. The approval process and transfer of your loan is done in just a few short hours; most people are able to access their payday loan by the following business day.

How much money can I borrow?
The amount of money you may borrow is dependent on a number of factors. In any case, it is advised that you figure how much you need beforehand to avoid taking out more than you need. This will save you from having to pay interest on money that you don’t need to borrow.

When does my payday loan need to be repaid?
Payday loans are usually set to be repaid upon the borrower receiving their next paycheck, thus the name ‘payday loan.’ However, if more time is needed to gather the money to repay the loan, lenders do allow an extension or rollover of the payday loan. The laws regarding rollovers vary by state so make sure to check your local laws beforehand.

I have been rejected by other lenders in New Jersey, why will I be approved for a payday loan?
Many people who apply for credit cards or large loans from banks or other lending institutions find it harder to be approved for a loan. In most instances, their credit score plays a major influence when factoring in a customer’s credit worthiness. However, payday loans do not require a credit check so many people who have struggles securing a loan elsewhere often find approval with payday loans. Due to the short turnaround of payday loans, the borrower’s paycheck serves as collateral on the loan so no credit check needs to be performed.

We cover following cities in New Jersey:

Aberdeen
Absecon
Alexandria
Allamuchy
Allendale
Alloway
Alpha
Alpine
Andover
Asbury Park
Atlantic City
Atlantic Highlands
Audubon
Audubon Park
Avalon
Barnegat
Barrington
Bass River
Bayonne
Beach Haven
Beachwood
Bedminster
Belleville
Bellmawr
Belmar
Bergenfield
Berkeley
Berkeley Heights
Berlin
Bernards
Bernardsville
Bethlehem
Blairstown
Bloomfield
Bloomingdale
Bogota
Boonton
Bordentown
Bound Brook
Bradley Beach
Branchburg
Brick
Bridgeton
Bridgewater
Brielle
Brigantine
Brooklawn
Buena
Buena Vista
Burlington
Butler
Califon
Camden
Cape May
Carlstadt
Carneys Point
Carteret
Cedar Grove
Chatham
Cherry Hill
Chesilhurst
Chester
Cinnaminson
City of Orange
Clark
Clayton
Clementon
Cliffside Park
Clifton
Clinton
Closter
Collingswood
Colts Neck
Commercial
Cranbury
Cranford
Cresskill
Deerfield
Delanco
Delran
Demarest
Dennis
Denville
Deptford
Dover
Downe
Dumont
Dunellen
Eagleswood
Eastampton
East Amwell
East Brunswick
East Greenwich
East Hanover
East Orange
East Windsor
Eatontown
Edgewater
Edgewater Park
Edison
Egg Harbor
Elizabeth
Elk
Elmer
Elmwood Park
Emerson
Englewood
Englewood Cliffs
Englishtown
Essex Fells
Estell Manor
Evesham
Ewing
Fairfield
Fair Haven
Fair Lawn
Fairview
Fanwood
Farmingdale
Flemington
Florence
Florham Park
Folsom
Fort Lee
Frankford
Franklin
Fredon
Freehold
Frelinghuysen
Frenchtown
Galloway
Garfield
Garwood
Gibbsboro
Glassboro
Glen Ridge
Glen Rock
Gloucester
Gloucester City
Green
Green Brook
Guttenberg
Hackensack
Hackettstown
Haddon
Haddonfield
Haddon Heights
Hainesport
Haledon
Hamburg
Hamilton
Hammonton
Hampton
Hanover
Harding
Hardwick
Hardyston
Harmony
Harrington Park
Harrison
Hasbrouck Heights
Haworth
Hawthorne
Hazlet
Helmetta
High Bridge
Highland Park
Highlands
Hightstown
Hillsborough
Hillsdale
Hillside
Hoboken
Holland
Holmdel
Hopatcong
Hope
Hopewell
Howell
Independence
Irvington
Island Heights
Jackson
Jamesburg
Jefferson
Jersey City
Keansburg
Kearny
Kenilworth
Keyport
Kingwood
Kinnelon
Knowlton
Lacey
Lake Como
Lakehurst
Lakewood
Lambertville
Laurel Springs
Lavallette
Lawnside
Lebanon
Leonia
Lincoln Park
Linden
Lindenwold
Linwood
Little Egg Harbor
Little Falls
Little Ferry
Little Silver
Livingston
Lodi
Logan
Long Branch
Long Hill
Lopatcong
Lower
Lumberton
Lyndhurst
Madison
Magnolia
Mahwah
Manalapan
Manasquan
Manchester
Mannington
Mansfield
Mantua
Manville
Maple Shade
Maplewood
Margate City
Marlboro
Matawan
Maurice River
Maywood
Medford
Medford Lakes
Mendham
Merchantville
Metuchen
Middle
Middlesex
Middletown
Midland Park
Millburn
Millstone
Milltown
Millville
Mine Hill
Monmouth Beach
Monroe
Montague
Montclair
Montvale
Montville
Moonachie
Moorestown
Morris
Morris Plains
Morristown
Mountain Lakes
Mountainside
Mount Arlington
Mount Ephraim
Mount Holly
Mount Laurel
Mount Olive
Mullica
National Park
Neptune
Netcong
Newark
New Brunswick
Newfield
New Hanover
New Milford
New Providence
Newton
North Arlington
North Bergen
North Brunswick
North Caldwell
Northfield
North Haledon
North Hanover
North Plainfield
Northvale
North Wildwood
Norwood
Nutley
Oakland
Oaklyn
Ocean
Ocean City
Oceanport
Ogdensburg
Old Bridge
Oldmans
Old Tappan
Oradell
Oxford
Palisades Park
Palmyra
Paramus
Park Ridge
Parsippany
Passaic
Paterson
Paulsboro
Peapack
Pemberton
Pennington
Pennsauken
Penns Grove
Pennsville
Pequannock
Perth Amboy
Phillipsburg
Pilesgrove
Pine Beach
Pine Hill
Piscataway
Pitman
Pittsgrove
Plainfield
Plainsboro
Pleasantville
Plumsted
Pohatcong
Point Pleasant
Pompton Lakes
Princeton
Prospect Park
Quinton
Rahway
Ramsey
Randolph
Raritan
Readington
Red Bank
Ridgefield
Ridgefield Park
Ridgewood
Ringwood
Riverdale
River Edge
Riverside
River Vale
Robbinsville
Rochelle Park
Rockaway
Roseland
Roselle
Roselle Park
Roxbury
Rumson
Runnemede
Rutherford
Saddle Brook
Saddle River
Salem
Sandyston
Sayreville
Scotch Plains
Sea Bright
Sea Girt
Sea Isle City
Seaside Heights
Seaside Park
Secaucus
Shamong
Ship Bottom
Somerdale
Somers Point
South Amboy
Southampton
South Bound Brook
South Brunswick
South Harrison
South Orange Village
South Plainfield
South River
Sparta
Spotswood
Springfield
Spring Lake
Spring Lake Heights
Stafford
Stanhope
Stow Creek
Summit
Swedesboro
Tabernacle
Teaneck
Tenafly
Tewksbury
Tinton Falls
Toms River
Totowa
Trenton
Tuckerton
Union
Union Beach
Union City
Upper
Upper Deerfield
Upper Freehold
Upper Pittsgrove
Upper Saddle River
Ventnor City
Vernon
Verona
Victory Gardens
Vineland
Voorhees
Waldwick
Wall
Wallington
Wanaque
Wantage
Warren
Watchung
Waterford
Wayne
Weehawken
Wenonah
Westampton
West Amwell
West Caldwell
West Deptford
Westfield
West Long Branch
West Milford
West New York
West Orange
Westville
West Windsor
Westwood
Wharton
White
Wildwood
Willingboro
Winslow
Woodbine
Woodbridge
Woodbury
Woodbury Heights
Woodcliff Lake
Woodland Park
Woodlynne
Wood-Ridge
Woodstown
Woolwich
Wyckoff