NJ · SERVICE-AGMT · Updated July 2026 · Free
New Jersey Service Agreement
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New Jersey at a glance: Usury Cap: 30% per year on commercial contracts (N.J.S.A. 2c:21-19) · Governing Law: New Jersey Common Law
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Overview
Service Agreements in New Jersey
New Jersey service agreements are governed by Title 31 of the New Jersey Statutes. Late fees are subject to usury limits.
Key Facts
New Jersey Service Agreement — Quick Reference
| Requirement | New Jersey Rule |
|---|---|
| Usury Cap | 30% per year on commercial contracts (N.J.S.A. 2c:21-19) |
| Governing Law | New Jersey Common Law |
Legal Requirements
New Jersey Legal Requirements
- Late fees must not exceed New Jersey's criminal usury threshold.
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 Service Agreement — Frequently Asked Questions
What is the default contract interest rate in New Jersey?
The default rate is 6% per annum unless a different rate is specified in writing.