Grace Enfield, Content Writer
@grace_enfield
The best emergency loans in New Jersey are from LightStream. LightStream offers loans of $5,000 - $100,000, funding in 1 - 2 business days, APRs of 7.44% - 25.39% and repayment periods of 24 - 144 months.
LightStream is a national lender that operates in New Jersey. If you’re looking for a local lender that’s based in New Jersey, you may want to consider LendingPoint.
Best Emergency Loans in New Jersey
| Lender | Funding Timeline | Loan Range | APR | Repayment Period |
| 1 - 2 business days | $5,000 - $100,000 | 7.44% - 25.39% | 24 - 144 months | |
| 1 business day | $1,000 - $36,500 | 7.99% - 35.99% | 24 - 72 months | |
| 2 - 4 business days | $3,000 - $100,000 | 6.74% - 25.99% | 12 - 84 months | |
| 2 business days | $1,000 - $50,000 | 7.74% - 35.99% | 24-84 months | |
| Within 2 business days | $7,000 - $50,000 | 11.79% - 20.84% | 36-72 months |
To qualify for an emergency loan from a bank, credit union or online lender, you’ll need to be at least 18 years old, have a valid bank account and have enough income to make monthly payments. Just remember that simply meeting the requirements for an emergency loan does not guarantee approval.
It’s also worth pointing out that the New Jersey state government offers other emergency loan programs. Below are a few examples of the available programs.
Emergency Loans from New Jersey Government
- The Small Business Emergency Assistance Loan Program
- Disaster Relief and Emergency Assistance: New Jersey
- Coronavirus Help for Residents of NJ-10
Finally, payday loans may be advertised as emergency loans by companies in New Jersey. These loans are not worth it because they’re incredibly expensive and they require repayment very quickly.
To see more of WalletHub’s top-ranked offers, check out our editors’ picks for the best emergency loans nationally.
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