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The new Jersey’s usury laws put a ceiling to your permissible rates. When you look at the Nj there are two separate sort of usury, civil usury and you can violent usury.
The maximum legal rate in New Jersey is 6% per annum on loans not evidenced by a writing and 16% per annum if there is a written contract specifying a rate of interest. Letter.J.S.An effective. 31:1-1(a).
Loans that are secured by a first lien on residential real estate are governed by a higher rate of interest determined by the Commissioner of Banking. (suite…)