States › New Jersey › Payday loan, title loan, personal loan, or advance loan
Who in New Jersey is complaining aboutPayday loan, title loan, personal loan, or advance loan?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
New Jersey consumers filed 520 complaints under “Payday loan, title loan, personal loan, or advance loan” in the 12 months to 1 Oct 2026, up 60% on the 324 of the 12 months before. That is 5.40 per 100,000 residents, close to the national 5.20.
The category makes up 0.3% of the state's complaints, against 0.3% nationally. 7.5% of closed complaints ended with monetary or non-monetary relief (5.6% nationally) and 96.9% of responses were timely.
Companies with the most Payday loan, title loan, personal loan, or advance loan complaints from New Jersey, with their size
Ordered by complaints from New Jersey consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from NJ, 12 months | Share | Company size |
|---|---|---|---|
| Affirm Holdings, Inc | 64 | 12.3% | no public measure |
| OneMain Finance Corporation | 29 | 5.6% | no public measure |
| Klarna AB | 29 | 5.6% | no public measure |
| ENOVA INTERNATIONAL, INC. | 29 | 5.6% | no public measure |
| Uprova Credit, LLC | 16 | 3.1% | no public measure |
| Upstart Holdings, Inc. | 15 | 2.9% | no public measure |
| SYNCHRONY FINANCIAL | 14 | 2.7% | $115bn assets |
| Opportunity Financial, LLC | 13 | 2.5% | no public measure |
| Ningo Lending LLC dba Spotloan | 13 | 2.5% | no public measure |
| Credit Fresh Holdings Inc | 11 | 2.1% | no public measure |
| Rosebud Economic Development Corporation | 10 | 1.9% | no public measure |
| Paramount GR Holdings, LLC | 10 | 1.9% | no public measure |
| Block, Inc. | 9 | 1.7% | no public measure |
| Zip Co US Inc. | 8 | 1.5% | no public measure |
| Paypal Holdings, Inc | 8 | 1.5% | no public measure |
| Dave Operating, LLC | 7 | 1.3% | no public measure |
| CITIBANK, N.A. | 7 | 1.3% | $1.98tn assets |
| MoneyLion Inc. | 7 | 1.3% | no public measure |
| UPGRADE, INC. | 7 | 1.3% | no public measure |
| SOFI TECHNOLOGIES, INC. | 7 | 1.3% | $57bn assets |
| All other companies, including those not listed by name | 207 | 39.8% | — |
CFPB: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.” The CFPB does not verify every allegation in a complaint before publishing it. 3 of the 20 companies in this table have a public size measure. “No public measure” means the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, not that it is small.
Issues
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 155 | 29.8% |
| Problem when making payments | 83 | 16% |
| Struggling to pay your loan | 49 | 9.4% |
| Getting the loan | 46 | 8.8% |
| Problem with the payoff process at the end of the loan | 41 | 7.9% |
| Incorrect information on your report | 35 | 6.7% |
| Problem with additional add-on products or services | 34 | 6.5% |
| Problem with a company's investigation into an existing problem | 15 | 2.9% |
| Getting a line of credit | 12 | 2.3% |
| Can't contact lender or servicer | 10 | 1.9% |
| Other CFPB issue categories | 40 | 7.7% |
How companies responded
- Closed with explanation463 · 89%
- Closed with monetary relief21 · 4%
- Closed with non-monetary relief17 · 3.3%
- In progress15 · 2.9%
- All other categories4 · 0.8%
| Measure | New Jersey, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 5.40 | 5.20 |
| Closed with monetary or non-monetary relief | 7.5% | 5.6% |
| Responses marked timely | 96.9% | 94.6% |
Trend
Other products in New Jersey
Credit reporting or other personal consumer reports · 180,015Debt collection · 7,738Credit card · 3,640Checking or savings account · 3,025Money transfer, virtual currency, or money service · 1,119Mortgage · 1,088Vehicle loan or lease · 758Student loan · 670
Questions and answers
How many Payday loan, title loan, personal loan, or advance loan complaints come from New Jersey?
520 in the 12 months to 1 Oct 2026, 324 in the 12 months before and 1,098 since 2011.
Is that high for the population?
5.40 per 100,000 residents in New Jersey against 5.20 nationally.
Which issues come up most?
“Charged fees or interest you didn't expect” (29.8%), “Problem when making payments” (16%), “Struggling to pay your loan” (9.4%), “Getting the loan” (8.8%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 1 Oct 2026, complaints received through 1 Oct 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. Search the CFPB database · Methodology · Report an error.