Bad Credit Loans In New Jersey

Name: Acorn Finance Offers
Brand: Acorn Finance
Rating: 4.6 (1133 reviews)

Get personalized rates in 60 seconds for bad credit loans in New Jersey, without affecting your credit score.

Our customers say Excellent

4.6 out of 5 based on 1133 reviews

Our customers say Excellent

4.6 out of 5 based on 1133 reviews

Personal Loans For Bad Credit In New Jersey (NJ)

Searching for a bad credit loan in New Jersey (NJ)? If so, you may have some reservations, and with good reason. As you may know getting a personal loan with bad credit is easier said than done. Before getting started you should understand things to look for, how personal loans work, and ways you can potentially unlock more competitive offers, at the very least.

We get that you may be in a hurry, but promise it’s worth your time to soak in all the information you can before giving a personal loan with bad credit in New Jersey the green light.

Example personal loans in New Jersey

11.64%³

APR

84 mos.

Loan term

$12,329

Loan amount

³Last updated on 03/21/2025. More than 10% of loans taken in the state of New Jersey have a lower APR than what is advertised here. You may have different rates and terms than what is being advertised.

Get Started

Find Bad Credit Loans in New Jersey Near Me

About LightStream

Coming Soon…

Pros

Coming Soon…

Cons

Coming Soon…

About Sofi

Coming Soon…

Pros

Coming Soon…

Cons

Coming Soon…

About Upgrade

Coming Soon…

Pros

Coming Soon…

Cons

Coming Soon…

About Bestegg

Coming Soon…

Pros

Coming Soon…

Cons

Coming Soon…

Helping New Jersey Residents Find Bad Credit Personal Loans

While some types of loans are targeted at bad credit borrowers, in most cases a bad credit loan is the same as a regular loan. Where the difference lies is in the red tape around the qualifying process. In some cases, there may be more fees associated too. Here are some ways that bad credit loans can be characterized in New Jersey.

Interest rates
Repayment terms
Stringent documentation required
Cosigner required
Lower loan amounts

In addition, some lenders may specialize in helping borrowers with bad credit. These lenders are known as subprime lenders.

Bad Credit Loans in New Jersey: Frequently Asked Questions

How do bad credit installment loans in New Jersey work?

While your reasons for needing a bad credit installment loan in New Jersey may be driven by location, how the loan works should not.

The borrower can apply for the loan and if approved, can get a lump sum of money. The money is then to be repaid in installments, typically monthly, with interest over a predetermined period. Sounds pretty straight forward, right? It really is and that's why installment loans are popular.

Personal loans are installment loans. In addition to fixed monthly payments, they can also come with no spending restrictions. At Acorn Finance, you can check offers for personal loans up to $10,000, depending on credit score. With funding available in as little as 1-2 business days (although funding times can vary) and no credit impact from checking offers, we do what we can to simplify the loan shopping process. Set your worry aside and start by simply seeing what you qualify for. Note that offers will be more likely to be returned for borrowers with fair, good, average, or excellent credit. Most lenders on the Acorn Finance platform have a credit score cutoff of 600 or above.

New Jersey homeowners may need home improvement loans for bad credit to make repairs or prepare for harsh weather. Home improvement loans are often just personal installment loans that are intended for funding home repairs. Something to consider as you search. To understand what your loan can and can't be used for, check with the lender.

What credit score is needed for a bad credit loan near me?

The minimum credit score for a bad credit loan can really vary based on the individual lender and the loan product you're applying for. Most lenders on the Acorn Finance platform have a minimum credit score of 600 or above. Some lenders might offer loans for those with a lower credit score, but beware of predatory lending practices or exorbitantly high interest rates.

How do you find an online bad credit loan near me?

The last thing you want to do is spend a lot of time looking for a loan. The good news is it doesn't need to take a whole lot of time to check offers and connect with online lenders. At Acorn Finance you can check offers from a network of top national lenders in seconds. . . with no credit impact! So, you choose. Search for hours or head to our platform online.

To expand your options, consider boosting your credit score before applying to hopefully qualify for a low APR personal loan.

How to choose the best New Jersey personal loan for bad credit for you

Ultimately, the best New Jersey loan for bad credit is the one you can qualify for and - most importantly - afford every month. Make sure as you're comparing your personal loan options, you closely review the interest rate, the monthly payment and the length of the repayment period. All of these factors can contribute to the total loan cost. Here are 3 steps you can take to choose a personal loan offer.

Check offers online from top national lenders at Acorn Finance
Compare offers (as a whole, not just the payments)
Evaluate the pros and cons of your top choices to make the best decision

Other States with Bad Credit Loans

Other New Jersey Loan Options:

Find Banks Near Newark, New Jersey

Check Offers for Bad Credit Loans in New Jersey

Personal Loans For Bad Credit In New Jersey: Personal Loan Calculator

HOW IT WORKS

Find the loan you're looking for

Table comparing monthly payments, APRs for approved personal loans.

See your options

Take a few minute to answer few questions, and we'll match you with the right range of lenders to consider

Choose your loan

Find your favorite marketplace of offers and apply directly with the lender you prefer

Do your project

If you're approved, use your funds to cover all your costs now, and pay the lender back month by month

We’ve helped over a million customers, and we’re just getting started

verified

Quick and easy.

John Sacoolidge, 4 days ago

verified

No hassle Lender selection

No hassle at all it was easy to find and choose who you want for a lender based on available offers that were presented.

Jammie Petroski, 4 days ago

verified

The process was positive and easy

The process was positive and easy. I will use again when needed.

Jeffery Patrick, 6 days ago

verified

Working with Acorn was FAST!

Working with Acorn was a fast and easy online experience that resulted in a short term, lower interest rate option. The funds showed up on the date selected in my contract and the entire process went smoothly as they kept me up to date via email. I will certainly use Acorn again in the future for all of my home improvement projects, thanks! Billy Powell

Billy Powell, Dec 30

verified

Excellent & Easy

You gave me several loan options. I found a company I trusted. I applied for the loan. I received the loan. I received the money when I was told I would receive the money. Everything went smoothly. Thank you.

Edward A, Dec 29

verified

It was fast and easy

It was fast and easy. There was a lot of lender options. I had a question called you guys and he was very helpful. I would recommend you guys to everyone!

andrew, Dec 28

verified

My review

The experience was quite good.

Milton Sargent, Dec 27

verified

Incredible easy to work with

Margaret Lewis, Dec 27

verified

It was quick and easy just has you…

It was quick and easy just has you said. Thank you I appreciate it.

Alberta Battles, Dec 27

verified

Peace of mind when moving

Easy to understand and simple.

Mario, Dec 20

verified

The process was easy to do

The process was easy to do. You get results fast... They work with you.

Valued Customer, Dec 19

verified

The loan was successful

June Williams, Dec 16

verified

Excellent deliverance of funds

Excellent deliverance of funds, timely manner. Highly recommend.

Elizabeth Callava, Dec 14

verified

Quick and easy process

Bro Hugh, Dec 12

verified

Fast and easy everything went perfect

Fast and easy everything settled. We were so worried. It was very nice to have another outlet to go to for our major purchase on our septic tank. Thank you so much. We are very happy.

Dawn White, Dec 10

verified

the application process

The rear of the application process

Polly Davis, Dec 5

verified

Wonderful experience

Sunipa Majumdar, Dec 3

verified

The loan process was fast and easy.

Michelle Warner, Dec 1

Rated 4.6 / 5 based on 1133 reviews.

Trustpilot

What can I do with a $10,000 personal loan?

A $10,000 personal loan has a number of uses, including (but not limited to):

Home improvement Buying a car Wedding costs

Debt consolidation Medical bills Startup business costs

FREQUENTLY ASKED QUESTIONS

Still have questions?

Find Bad Credit Loans in New Jersey at Acorn Finance

Just because you have bad credit doesn't mean you're locked out of the chance for a personal loan. While improving your credit score is a good first step, so is understanding your options. When you're ready to check offers, visit Acorn Finance to receive personalized offers in seconds with no credit impact.

Can you get a bad credit loan in New Jersey with no hard credit check?

For most loans, you'll have to get a credit check so the bank or lender can determine if you qualify. However, some alternatives such as title loans or payday loans may not require a credit check.

Is it possible to get a guaranteed personal loan for bad credit in New Jersey?

New Jersey lenders may offer guaranteed personal loans. At Acorn Finance you can check personal loan offers with a co-signer, which can constitute a step toward getting a guaranteed personal loan. Guaranteed loans are backed by a third-party. Examples of these loans are federal student loans, SBA loans, or mortgages. Third party backers can be individuals or organizations, meaning a co-signer can help you qualify for a guaranteed personal loan.

Some guaranteed loans may be available for bad credit borrowers in New Jersey. In the event you default on a guaranteed loan, the party that backed the loan becomes responsible, which reduces the risk for the lender.

Are bad credit installment loans in New Jersey worth it?

It depends.Do you need a home improvement loan for bad credit? Or, do you need an installment loan for a new handbag? Again, we bring you back to the pros and cons of the loan. If it has potential to help you and you can keep up with the commitment, it can be worth it. Consider carefully, the choice is yours.

Check Offers for Personal Loans For Bad Credit In New Jersey

One home, endless possibilities