Loans for bad credit NJ
Loans for bad credit NJ

Online Payday Loans in New Jersey

  • Poor Credit History Allowed
  • Only Soft Credit Checks Performed
  • Suitable Repayment Terms
  • Reasonable Interest Rates
  • Instant Approval Decision
  • Fast Direct Deposit
  • Payday Loans Near Me

Get a Loan Fast!

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Overview of Online Payday Loans in NJ

New Jersey Residents are welcome to apply for loan products to cover their financial emergencies. If you live in NJ and need cash as soon as possible, discover our services that help you to connect with hundreds of direct lenders from New Jersey. 1F Cash Advance is your ally in getting a reasonable interest rate for your New Jersey payday loans.

Table of Contents

New Jersey Payday Cash Advances – Terms and Interest Rates

New Jersey Residents are welcome to apply for loan products to cover their financial emergencies. If you live in NJ and need cash as soon as possible, discover our services that help you to connect with hundreds of direct lenders from New Jersey. 1F Cash Advance is your ally in getting a reasonable interest rate for your New Jersey payday loans.

Small loans are restricted in New Jersey. Consumer loan act applies but rates as agreed to by contract. N.J. Stat. Ann. tit. 17:1 et seq. However, criminal law sets the usury cap at 30%. N.J. Stat. Ann. 2C: 21-19, 17:11C-36(a). A check cashing licensee cannot cash or advance money on a postdated check. N.J. Stat. Ann. 17:15A-47.

However, lenders can offer you $1,000 – $5,000 installment and $5,000 – 35,000 personal loan. N.J. Stat. Ann. tit. 17:1 et seq. sets the APR to 30%. These loans are a minimum of 90 days and a maximum of 36 – 60 months.

Cash Loans in New Jersey – Discover Now

New Jersey residents can apply for cash loans available in their state. They can get the most reasonable interest rates and flexible repayment schedules. 1F Cash Advance is here to help them connect with New Jersey direct lenders ready to lend cash loans even for bad credit scores.

Process of Getting Payday Loans in NJ

In New Jersey, online cash advances work the same as other loan products. Consumers apply online on our website by filling in the request form with their contact details and submitting it. We will send it to our lending partners that will review your application form. You’ll receive an answer on your loan approval. Also, don’t worry about payday loans in Ohio, if you live there. It takes minutes to get an instant approval decision via Email.

If a lender approved your loan request, you both would sign the contract online after you discussed all the terms and conditions. After these formalities, the lending company will transfer your cash advance on the next business day or even sooner. Also, once the next paycheck reaches your bank account, the loan provider will withdraw the loan amount from it. You don’t have to stay in line to pay it back. Everything is online and 100% safe for all borrowers.

1F Cash Advance works only with a network of trusted direct lenders that provide quality financial products for borrowers who need emergency cash. If you need money too, be sure you’ll get reasonable interest rates and flexible repayment plans.

Fees and Charges of Payday Loans in New Jersey

Small loans are restricted in New Jersey. But lenders can offer you $1,000 – $5,000 installment and $5,000 – 35,000 personal loan. N.J. Stat. Ann. tit. 17:1 et seq. sets the APR to 30%. These loans are a minimum of 90 days and a maximum of 36 – 60 months. Plus, there is a fee of $14 of every $100 borrowed with a 7 day loan term.

Examples of New Jersey Payday Loans

In New Jersey, you’ll have to pay $114 for a 7-day loan of $100 borrowed. For the repayment term of 32 days, the fee will increase up to $39. See below other options for a loan of 32 days.

Amount Borrowed Fees APR Amount Due
$1,000 $390 30% $1,390
$2,000 $780 30% $2,780
$3,000 $1,170 30% $4,170
$4,000 $1,560 30% $5,560
$5,000 $1,950 30% $6,950

Fast Payday Loans in NJ – Optional Alternatives

Most of our lending partners provide many other options for borrowers. If you need more money to pay for your unplanned expenses, consider installment loans in NJ. The minimum amount you can borrow with an installment loan is $1,000, but the maximum amount is $5,000. The lender can set monthly payments within 3 and 36 months. The minimum APR is 6.63%, but the maximum isn’t selected by New Jersey laws. You can use these cash advances with monthly payments to cover more significant expenses like house renovations, medical bills, etc.

Become Eligible for a Quick Payday Loan in New Jersey

Before applying for New Jersey payday loans, you should meet several eligibility criteria set by lenders. As they are basic, almost all consumers may qualify for payday cash advances. So, if you need extra cash and you live in New Jersey, check the following requirements:

  • Be 18 years old or more.
  • Be a US citizen.
  • Have a steady income.
  • Have an active bank account.
  • Have an active Email address and phone number.

Application Steps for New Jersey Short-Term Cash Advances

If the person seeking a payday loan has an existing relationship with the financial lender, they can apply for it through our platform and may be eligible for pre-approval. For other customers, they can apply for a personal loan online by following the steps below:

  1. Click the “Apply Now” option.
  2. Fill in the details on the personal loan application form and submit.
  3. We will assess the suitability of the applicant and request the submission of the required documents and income proofs.
  4. If the applicant is eligible, the lender will transfer the loan amount to the applicant’s bank account as indicated in the application form.

Make sure you read our Legal Information before submitting your application. As the process is simple and straightforward, you won’t have to waste time on needless paperwork and faxing. It is available 24/7 and perfect for borrowers who use the Internet every day.

Can I Get a Payday Loan in New Jersey with Bad Credit?

Consumers with a poor credit history are welcome to apply for New Jersey payday loans online. Their bad credit isn’t a reason to give up when looking for emergency funds. Our lending providers ignore the low FICO score of borrowers. They review the general information of your current financial condition. This process works well also for payday loans in Michigan.

Just prove your steady income (even if it’s unofficial), and that’s it! You are free to get funds even with a bad credit report. Make sure you increase your chances of loan approval by checking your valid information.

Payday Cash Advances with No Credit Check in NJ

Most lenders in New Jersey don’t run hard inquiries on borrowers’ credit history through those three main credit bureaus. These checks are called “soft credit checks” because of their simplicity. Direct lenders just assess the repayment risk by performing a light review on credit reports. So, don’t worry if your credit history is less-than-perfect. As there is a high approval rate, you’ll get an instant approval decision within minutes for your payday loans with no credit checks performed.

Discover Payday Cash Loans in the Following NJ Cities

1F Cash Advance wants to help consumers all around the New Jersey State to solve their financial problems. That is why we provide online payday loans in the following cities:

Newark Jersey City Paterson
Elizabeth Lakewood Edison
Woodbridge Toms River Hamilton township
Trenton Clifton Cherry Hill
Brick Camden Bayonne
Passaic East Orange Union City
Franklin township Middletown Old Bridge
Gloucester North Bergen Irvington
Piscataway Vineland Hoboken
Union township Jackson Parsippany-Troy Hills

Rely on Us for Your Payday Loan in NJ


1F Cash Advance has been helping customers get rid of their financial crisis for many years. Based on this experience, we have been able to deliver the most effective connecting services that no one can beat for the past 5 years. You can rely on our knowledgeable staff to listen and meet your needs in a unique way that works for your finances.

Legal Protection

The legal protection that comes with working with 1F Cash Advance is unlike anything else. An experienced attorney will review your program to implement the best tactics for your counseling process to avoid legal problems. You also do not incur legal costs for appointing the lawyer, so that you no longer have to worry about financial worries. It is one of the few companies that can offer you this legal protection, so it is really an advantage for you.

Professional Support

Not only are the financial experts and legal teams at this company great, but you also get great customer support. The customer service team is available every day and at any time to listen to your concerns and resolve them for you. You can even always call for an initial conversation about how you can be helped and what is the best process for you. Call today to start resolving your crisis so you don’t end up in long-term financial trouble.

Niche Knowledge

Every employee of this company has a deep understanding of the industry they operate in and the issues you may face. The company is based on employees who are experts in the financial and legal sectors, so you can rest assured that they have the experience you need.


If you research the company, you will definitely see the thousands of positive reviews that appear in every search engine. Ask someone you know who has covered their needs to see how successful this business has been for them. Many clients are satisfied with the services provided and are more than ready to give you positive advice about the help you need. Call as soon as you receive the referral you need to begin getting the help you need for your financial problems.

Payday Loans Near Me in NJ

Don’t you know where to find payday loans near you? Type “payday loans near me” on our website and you’ll find the suitable solution for your financial problems. 1F Cash Advance is here to provide you a quick connection with direct lending companies in NewJersey. Just fill in the loan request form, choose the needed amount and we will do the rest!

Apply Now and Get Instant Approval Decision

Stop waiting for miracles and solve your problems with money today. Complete the application form with your contact details and submit it. We will do the rest! Get ready to spend your payday loan as you wish on the next working day. If you have questions about New Jersey payday loans, drop us a line to request all the needed details about the lending process in this state. We are here to assist you in this matter and ensure you the most pleasant borrowing experience.

In-store Payday Loans in New Jersey

We provide payday loans both online and in-store. Our in-store locations in New Jersey are open to all customers looking to borrow money. Without hard credit checks, our branch manager will provide you an immediate loan decision. Getting a payday loan with us is fast and easy. Our friendly staff will cater to your immediate financial needs.

Payday loans Paterson New Jersey
Cash advance in Paterson NJ
1F Cash Advance payday loans New Jersey

1F Cash Advance Payday Loans Store Location in Paterson, New Jersey

Branch name: 1F Cash Advance New Jersey

Address: 645 E 19th St, Paterson, NJ 07514

Phone: (973) 545-7678

Email: [email protected]

Branch Manager: Peggy Mason

Monday – Friday: 8:00 am to 10:00 pm
Saturday: 9:00 am to 6:00 pm
Sunday: Closed

Get Started

The store at 117 S Washington St, Paterson, NJ 07505 is permanently closed.

Cash Advance Services

Payday Loans in NJ

Applicants can get up to $1,000 in cash advance. The small unsecured loans you can access through us are the solution you’re looking for in case of financial distress. You will then repay the loan amount, together with interest, when you receive your next paycheck. Direct lenders will only require basic information. Our in-store team will gladly assist you and provide answers and advice on the spot. Getting emergency cash is easy and safe with us.

Installment Loans in NJ

For loan amounts up to $5,000, apply for an online payday installment loan. Our in-store team is also ready to receive applications during working hours. Receive an offer from an authorized lender within a few minutes. Approval is guaranteed as long as you qualify based on the main requirements. A payday installment loan combines the convenience of quick loans and the affordability of fixed monthly installments.

Check Cashing in NJ

Check cashing services is one of the perks most of our in-store locations have. Accessing the money from a paycheck has never been easier. Get your quick funds at our check cashing desk.

Find a Reliable Lender Near Me

Are you looking for quick cash options? Visit our store. Not in New Jersey? Access our store locations for your payday loan in Wyoming, Wisconsin, Florida, Illinois, Missouri, Minnesota, Nebraska, Ohio, Tennessee, California, and Texas. We will provide you with top service, regardless of location. Feel free to ask for all the necessary information regarding payday loans both in New Jersey and in other states. Our customer care agent will help you get the best solution to solve your financial problems. Apply today in a store for New Jersey payday loans and pay for your unplanned expenses.

Frequently Asked Questions

Are other states available for online payday loans?

We provide online loans in the following states: Pennsylvania, New York, Delaware, Maryland, Connecticut, Rhode Island, Massachusetts, Virginia, West Virginia.

Is 1F Cash Advance licensed by the New Jersey authorities?

1F Cash Advance Financial Help, LLC is a licensed connecting company that works under federal laws set by the US government. We are licensed by the Department of Financial Protection and Innovation. Borrowers can request licensing information anytime.

Are you working with licensed direct lenders in New Jersey?

We work only with a network of trustful and licensed direct lenders that operate according to lending laws of New Jersey. Feel free to ask for all the needed information about our lending partners.

Are payday loans in New Jersey with guaranteed approval?

In New Jersey, you may get a guaranteed approval decision on your cash advance. No direct lender can guarantee you approval, but you can increase your chances by meeting all the needed requirements set by lending companies.

In what cities are payday loans available for NJ people?

All the cities of New Jersey are available for consumers to borrow the payday loans they need. But the most popular towns are Cumberland, Passaic, Atlantic, Camden, Ocean, Hudson, Gloucester, Essex, Warren, Middlesex, Union, Burlington, Sussex, Mercer, Monmouth, Bergen, Somerset.

Can I get a same-day payday loan in New Jersey?

In New Jersey, you may get a same-day loan decision once you applied on the working day. Usually, New Jersey direct lenders provide you an instant approval decision. You won’t have to wait days or even weeks to receive an answer. 1F Cash Advance, in collaboration with New Jersey direct lending companies, values your time and ensures you the best borrowing experience.

I need 1-hour payday loans in NJ. How fast will I get them?

When applying online for payday cash loans, you receive an answer within 1-hour, but it depends on your lender. It may take less time for them to give you a loan decision. However, you’ll access your money on the next business or even sooner. Thanks to cut-off times, you might get your same day payday loan. If you apply before noon, the lender will transfer the money on the same day. But if you filled in the application form in the afternoon, prepare to access your loan only on the next working day.

Are there New Jersey payday loan stores near me?

Don’t search for in-stores and make it happen online. It is safe and accessible for all borrowers. You won’t have to stay in line to apply with a folder full of needless documents. Don’t search for payday loan stores open now. Apply online on our platform and access your funds as soon as possible.

How can I get the best payday loans in New Jersey?

Our trustful direct lenders will provide you with the suitable loan offers to help you get the best payday loans in New Jersey. Take your time and shop around to see a cash advance that will suit your needs better.