Central New Jersey
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Responsible Lending

Upholding fair and responsible lending practices has been our mission since we started lpcnj.org. To keep our standards high and protect our customers, we provide all the users with relevant information about the industry and do the following:

  • We supply you with significant details about the current state of loan industry, responsible lending and the consequences of non-payments or late payments;
  • We put them in a clear way;
  • We treat every customer with respect and are proud to establish a transparent relationship with our users;
  • We do our best to provide a high-quality service and support;
  • We demand from our partners to abide by Fair Lending practices.

Lending Partners

We work only with those lenders who abide by law and are legally authorized to lend money to consumers. We take every effort to build a network of only reliable partners to ensure that you, our customer, get the services of high quality and risk nothing.

Once you are connected with a financial provider, please check details on that lender so you can ask them questions if any occur.

It’s important to remember that every lender has their own terms and conditions. Interest rates, repayments, late payments, missed payments, and loan renewals vary by lender. To know what to expect, contact your financial provider.

Impact on Credit Score

Information on your financial background is translated into a three-digit score that serves to express your credit worthiness and predict how likely you are to handle the debt in the future. The higher your score, the more chances you have to get a loan with better terms. Things that may negatively affect your credit score are listed below:

  • late payments;
  • missed payments;
  • hard credit check;
  • loan renewal.

However, if your credit is less than perfect you still can submit a request and get a loan.

Late Payments

We strongly recommend that you have a responsible attitude to borrowing and take a loan out only when you can afford it. It is important to understand the consequences of making late payments. If you make a late payment, you’ll have to pay a fee. We do not possess information on the amount of penalty. It only becomes available when a financial provider reaches you to finalize the loan process.

Always review all the documentation before signing the loan agreement to understand any potential fees that may result from late payment.

If you feel that you can’t repay on time, get in touch with your lender as soon as possible and warn them about your situation.

Please remember that a personal loan is a short-time solution and should not be seen as a tool to cope with major financial struggles.

Missing a Payment

We encourage borrowers to pay off their debt on time. Missing a payment may result in additional fees and collection activities which may negatively affect your credit score. Each lender has their own policy regarding missed payments. We recommend that you thoroughly peruse your loan agreement as it contains all the significant information about the lender’s policy towards missed payments.

If you aren’t able to repay the loan on the due date, please contact your provider in advance to settle the issue.


Some financial providers offer the opportunity to roll your debt over if you are unable to repay on the due date. Note that renewing a loan is not free: you have to pay a fee to delay the repayment. The fee does not reduce the amount you owe and the rollover payments have the same interest rate as the missed payment.

Types of Renewal Policies

We work with a considerable number of lenders, and each of them has their own renewal policy. Typically, they offer two types of renewals:

  • Unlimited renewals. They allow you to renew your debt on numerous occasions and are very expensive decisions.
  • Automatic and borrower-initiated renewals. They allow you to renew your debt but on a limited basis.


In extreme cases when you have a delinquent payment and are reluctant to contact your lender to discuss the issue, they can resort to collection activities. Typically, they inform you about the intention to begin the collection procedure by phone, mail or email. If you still avoid communication, your lender may turn to a collection agency.

The collection practices of a particular lender are stated in the loan agreement. We encourage borrowers to read it carefully to be aware of the lender’s policy regarding the collection practices. For more information, please get in touch with your lender.

Disclaimer: lpcnj.org is not an offer or solicitation to lend. We do not make any loan or credit decisions and are not representatives, brokers or agents of any lender. Participating lenders offer loans from $200 up to $5,000. Not all lenders can offer you amounts up to $5,000. Our service is not available in all states. Submission of a request through this website does not guarantee that you will receive a loan offer or an offer you’ll be satisfied with. Funds transfer time may vary depending on your lender and/or financial institution. If you have any questions about your loan, please contact your lender directly. Credit checks may be performed with the three reporting credit bureaus: Experian, Equifax, and TransUnion. Submission of a request means you are authorizing the lenders to check your creditworthiness and your personal details. This service is not a solicitation for loan products and does not constitute a loan offer for any loan products that are prohibited by state law. This service is void where prohibited.

State Availability: Not all lenders from our system operate in all US states. Residents of some US states may not be eligible for loan products in accordance with their legislation. By selecting your State at the start of our loan offer process, you shall be informed of any limitations regarding obtaining a loan if you reside in individual US states. This website collects personal information and transfers it to its third-party partners. The website contains links to third-party websites. Accessing them may result in commission. Please note that personal loans should not be treated as financial cure-it-all. If you have major budget difficulties, consult specialists first.