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NJ · SERVICE-AGMT · Updated July 2026 · Free

New Jersey Service Agreement

Review Status: PendingAuthor: Editorial TeamMethodology: Statutory Verification

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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

RequirementNew Jersey Rule
Usury Cap30% per year on commercial contracts (N.J.S.A. 2c:21-19)
Governing LawNew 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

N.J.S.A. 31:1-1
Interest and Usury
Defines interest limits on written contracts.

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.