How it Works
Requesting a loan in New Jersey is easy with eNJloans.com. To get started simply fill out one easy form on eNJloans.com, your request is then submitted to our large network of New Jersey lenders. Our lenders offer installment, title and payday loans in New Jersey. Those loans range from as little as $100 up to $5,000 (exact amounts vary based on lender programs and your state of residence). eNJloans.com allows you to receive offers the same day, often within minutes. After your loan approval, you are redirected to the lender's site where you conduct a final review of the terms of the loan. These terms include details about all the applicable rates and fees associated with our payday, installment or title loan. Upon acceptane of these terms, the lender deposit's the money directly into your bank account. This process can takes less than 24 hours
On eNJloans.com, most lenders have the following requirements:
To be accepted by most lenders eNJloans.com, you should:
- Be employed at your present job for a minimum of 90 days.
- Be a US citizen or a permanent resident.
- Be over the age of 18.
- Have an income of above $1,000 per month after tax deductions.
- Have a checking account in your name.
- Provide a working telephone number for both your home and work.
- Provide a valid email address.
Quick New Jersey Loan Inquiry Process
Through our secure technology, we will find a lender in our network that is willing to lend to you based on the information you submit. Once we have a lender ready to work with you, that lender might contact you to get any additional information they may need (ex. verification of employment, pay stubs, etc.).
Cash Sent Directly to Your Checking
After your New Jersey lender has taken and approved your request, cash will be deposited directly into your bank account. This means you won’t have to take a trip to the bank to endorse and deposit a check or pay check-cashing fees.
Private and Secure
We use industry-recognized security and advanced encryption technology to protect your personal information.
Automated Loan Repayment
If you authorize your lender to take payment via automatic withdrawals (known as "ACH transfers"), then your loan payments will be paid automatically directly from your bank account. This means each payment will be on time and you won’t have to worry about missing any payments or incurring any late fees.
Late Payments on loans in New Jersey
Late payment policies can differ among lenders. Please make sure you read and understand the loan agreement and your lender’s late payment policy before accepting the loan. In some states, late fees may be limited by law. In other states, late payments may allow the lender to charge late fees and may accelerate the loan making it due in full immediately.
NOTE: Before agreeing to a loan, please make sure you can make your loan payments in full and on time. We support the responsible use of loans and recognize that nobody knows your situation better than you.
New Jersey Law may limit or prohibit a lender’s ability to extend or "roll over" your loan. Consult with your lender if you need a loan extension.
If you can’t make your loan payments on time, you may be in default of your loan obligations. Late payments and loan defaults may adversely affect your credit and may make it difficult to obtain future loans.
- Money As Soon as The Next Business Day
- Fast Lender-Approval Process
- Secure Form
- Go Paperless