Online Loans in New Jersey

Do you have money saved up to deal with an unplanned expense that needs to be taken care of right away? If not, a Line of Credit in New Jersey might be worth exploring!

Applying for an Online Loan in New Jersey

While a lot of the shine goes to its famous neighbor, New York, the Garden State is a bustling and diverse place. It’s known for things like the Jersey shore, casinos, its food, and its important role in American history.

Overall, the cost of living in New Jersey is relatively high compared to the national average, making it one of the pricier places to live in the U.S. This is especially true in some of the major cities like Newark.

No matter what city you live in, it’s important to make sure you’re as prepared as you can be to face emergency expenses when they crop up. This could include anything from pesky car repairs, a busted furnace, or some sort of emergency medical expense. Dealing with any one of these things without a healthy amount of savings can be tricky, and in those instances, it may be worth exploring New Jersey loans online.

How it Works

With a Line of Credit through CreditFresh, you might be able to qualify for a loan online in New Jersey with a credit limit ranging between $500 and $5,000.

If you think that a New Jersey online loan could help you out and you want to submit a request for one, the process is simple! If the application you’ve submitted gets approved, you can feel safe with the knowledge that if something comes up, you’ll have the money you need to deal with it, as long as you have available credit. On top of this, the money you request can be in your bank account the same business day3!

Note: A Line of Credit is a type of online loan. As a revolving credit product, you can request draws, repay and redraw as needed from your available credit.

Online Loan Summary

Credit Limit: $500 to $5,000

Loan Type: Line of Credit

Minimum Payment: Billing Cycle Charge + Mandatory Principal Contribution

Funding Time: Same Business Day3

Why Choose Online Loans through CreditFresh?


Access Credit When You Need It
  • Maintain your financial flexibility in order to deal with emergencies.
  • Have funds ready and waiting for important moments.
  • • You could get your funds as soon as the same business day3.


Excellent Customer Service
  • Need some assistance? Our Customer Service team is always happy to help when they can!
  • We’re available each day of the week to help with any questions relating to loan products offered through the CreditFresh website.


Fully Online Experience
  • If you want to apply for this Line of Credit online, you can do so from wherever is most convenient as long as you have internet access.
  • It’s easy to request draws, make payments, and access important Line of Credit information all from your secure online account.

Online Loans in New Jersey through CreditFresh: The Details

If you find yourself with an emergency expense to deal with and don’t have an emergency fund to give you a hand, it might be a good time to consider an online loan like a line of credit! They can help with things ranging from home repairs, car repairs, or medical emergencies.

If you’re looking to submit a request through CreditFresh, click here or call us at 1-800-766-2007 for more information.

Credit Limit

$500 to $5,000.

Making a Draw

You have the option to withdraw available funds all at once, or in smaller amounts from your available credit, as needed, so long as your account is in good standing.

If you request a draw, funds may be deposited into your bank account the same business day3.


For each billing cycle, you will be charged a Billing Cycle Charge if you have an Outstanding Principal Balance.

For further details, visit the Cost of Credit page or your credit agreement.

Repayment of Your Online Loan in New Jersey

If you have an outstanding balance, you will be required to make a Minimum Payment for each Billing Cycle.

You will be issued a periodic statement at least 14 days before your Minimum Payment is due for your Line of Credit. Your periodic statement will include important details such as your Minimum Payment and your Payment Due Date.

Your Minimum Payment will be made up of two components:

  • Billing Cycle Charge: this will be calculated based on your Average Daily Principal Balance that appears on your periodic statement; and
  • A Mandatory Principal Contribution: this helps ensure you are always paying down your Outstanding Principal Balance.

You can always make additional payments towards your Outstanding Principal Balance without prepayment penalties. You may log into your account to make a payment online using most debit or pre-paid cards.

For further details, visit the Cost of Credit page.

Here’s what customers are saying

Frequently Asked Questions about the Online Line of Credit in New Jersey

In order to qualify for an online loan through CreditFresh, you must:

  • Be of legal age to contract in New Jersey
  • Be a US citizen or a permanent resident
  • Be a resident of New Jersey
  • Have an active bank account
  • Have a regular, consistent source of income
  • Have a valid contact number and an active email address

Please note that currently, no credit products offered through CreditFresh have charges that would meet the requirements applicable to lend to covered members of the US Armed Forces and their dependents.

Yes, if you’re trying to qualify for this Line of Credit, it’s essential that you have an active bank account.

If you’d like to submit a request for this online loan, you won’t need to make an appointment. Getting started is straightforward and fast! Just click here and you can fill your application out in minutes1.

Yes, online loans are currently offered through CreditFresh in the form of a Line of Credit in Alabama, North Carolina, Hawaii, Michigan, Texas, Georgia, Delaware, Arkansas, South Carolina, Louisiana, Oklahoma, Arizona, Florida, Indiana, Alaska, Kentucky, Ohio, Missouri, Utah, Nebraska, Kansas, Idaho, Tennessee, Mississippi, Montana, West Virginia, Wisconsin, and Wyoming in addition to New Jersey.

We’re here to help!

If you’re looking for some help or you need more information on requesting an online loan in New Jersey through CreditFresh, you can contact us. You can also find more information about this Line of Credit by visiting our general FAQs page.