NJ · LOAN-AGMT · Updated July 2026 · Free
New Jersey Loan Agreement PDF
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New Jersey at a glance: Usury Cap: 30% per year (N.J.S.A. 2C:21-19) · Default Interest: 6% (if not written) · Governing Law: New Jersey Common Law
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Overview
Loan Agreements in New Jersey
New Jersey caps interest rates on personal loans at 30% per year under New Jersey Statutes Section 2C:21-19.
Key Facts
New Jersey Loan Agreement — Quick Reference
| Requirement | New Jersey Rule |
|---|---|
| Usury Cap | 30% per year (N.J.S.A. 2C:21-19) |
| Default Interest | 6% (if not written) |
| Governing Law | New Jersey Common Law |
Legal Requirements
New Jersey Legal Requirements
- Interest rates must not exceed 30% per annum.
Governing Laws
New Jersey Governing Laws
Read the full text of these laws at Cornell Law School's New Jersey legal resources or your state legislature's official website.
Questions & Answers
New Jersey Loan Agreement — Frequently Asked Questions
What is the default contract interest rate in New Jersey?
6% per year.