Central New Jersey
Guaranteed Emergency
Loans
Online Personal Loans Up To $5,000
Fill out a request form and submit loan request for free!
Legal
If you want to learn more about personal loans from the legal point of view, please read some information we’ve gathered for you below. Note that we provide the data for guidance only and that legal information is subject to change. If you’d like to get the latest legal info, visit governmental websites and other relevant sources.
We encourage our users to check this section before they submit a request.
Are personal loans legal in the United States?
Personal loans are legal, indeed. However, every state has its own standards and regulations regarding online lending, that’s why it’s always a good thing to have a talk about personal loans with the authorities of your state or, at least, visit corresponding governmental websites.
Who’s eligible for a personal loan?
According to the US legislation, only residents of our country have the right to get a personal loan. They should be at least 18 years old to be eligible. You’ll also need to have a stable source of income. That means that you can use our website to get the funds you need if you’re an adult and a legal US resident with means of financially supporting yourself.
What is a loan agreement?
A loan agreement constitutes a contract between you and a person who’s willing to lend you money. This is the very document that makes things real and controlled by law. If one of the parties violates the provisions of the agreement, there will be legal consequences.
What makes a loan agreement complete?
As soon as you e-sign a loan agreement, you can’t back away. In this case your e-signature confirms that you’ve agreed to all the terms, that’s why we recommend that you think twice before e-signing something.
What is your policy on the management of users’ data?
We’ve established this Privacy Policy to cover this topic.
Are there any terms concerning usage of your website?
Please take a look at our Terms to find out about them.
What can you tell me about rates and fees?
First, our website is totally free. Second, we have a special section, Rates and Fees, to cast a little light upon the matter. And third, such things are indicated in your loan agreement. We don’t have any specific details about them.
Disclaimer: lpcnj.org is not an offer or solicitation to lend. We do not make any loan or credit decisions and are not representatives, brokers or agents of any lender. Participating lenders offer loans from $200 up to $5,000. Not all lenders can offer you amounts up to $5,000. Our service is not available in all states. Submission of a request through this website does not guarantee that you will receive a loan offer or an offer you’ll be satisfied with. Funds transfer time may vary depending on your lender and/or financial institution. If you have any questions about your loan, please contact your lender directly. Credit checks may be performed with the three reporting credit bureaus: Experian, Equifax, and TransUnion. Submission of a request means you are authorizing the lenders to check your creditworthiness and your personal details. This service is not a solicitation for loan products and does not constitute a loan offer for any loan products that are prohibited by state law. This service is void where prohibited.
State Availability: Not all lenders from our system operate in all US states. Residents of some US states may not be eligible for loan products in accordance with their legislation. By selecting your State at the start of our loan offer process, you shall be informed of any limitations regarding obtaining a loan if you reside in individual US states. This website collects personal information and transfers it to its third-party partners. The website contains links to third-party websites. Accessing them may result in commission. Please note that personal loans should not be treated as financial cure-it-all. If you have major budget difficulties, consult specialists first.