BBB Business Review

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This business is not BBB accredited.

Phone: (888) 269-2303 UNKNOWN, South Plainfield, NJ 07080

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BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Based on BBB files, this business has a BBB Rating of No Rating. The reason is as follows:

  • The business's BBB file information is being reviewed and/or updated.

Customer Complaints Summary Read complaint details

4 complaints closed with BBB in last 3 years | 4 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 4
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 0
Total Closed Complaints 4

Customer Reviews Summary Read customer reviews

0 Customer Reviews on
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: August 13, 2009
Business Category

Payday Loans

Additional Information

Payday Loans in NJ
It is an unlawful practice under the Consumer Fraud Act, for any person to engage in the business of making deferred deposit or “payday” loans to consumers in New Jersey.
New Jersey banking laws prohibit anyone from cashing or advancing any money on a postdated check.  New Jersey Legislature   A3719    re: Payday loans.
Usury is an excessive or unlawful rate of interest. New Jersey's usury laws cap interest at 30 % per year. A payday loan can have interest of 250 to 600 % per year. Therefore, a payday lender cannot operate in New Jersey because its interest rates would far exceed the limits set by the state. The bill’s provisions apply to payday loans made by lenders, wherever located, and made by any means, including, but not limited to: in-person contact, Internet, mail, telephone, print, radio, or television. An unlawful practice under the CFA is punishable by a monetary penalty of not more than $10,000 for a first offense and not more than $20,000 for any subsequent offense. 

Internet Payday Lenders
Internet payday loans are illegal in a number of states. As of the most current information, these are: Arizona, California, Ohio, Montana, Arkansas, New York, Pennsylvania, West Virginia, Georgia, New Hampshire, Vermont, Massachusetts, Connecticut, New Jersey, Maryland and the District of Columbia. Despite this, some online lenders illegally lend money to customers in these states.
If you live in any of these states and an online lender threatens to sue, check your state's usury and consumer protection laws. You will likely have a valid defense, as you can’t be legally bound to an illegal agreement.
If you’ve been the victim of a payday loan scam or if you’re struggling with payday loan debt, contact an experienced attorney about your rights.
For  free legal assistance,  visit  your state’s legal aid website: In New Jersey - .      

Also, see if a family member or a friend can give you a small loan.  You may also be able to get a cash advance on your credit card. The interest rate will be higher than that of a traditional bank loan, but far lower than that of a payday lender . Consider if  government programs may be able to give you the help you need.  In New Jersey WorkFirst  provides temporary cash assistance and many other support services to families through the Temporary Assistance for Needy Families (TANF) program.  Visit  http://

For more information please visit CONSUMER FINANCIAL PROTECTION BUREAU's answers to related questions: 
"My payday lender told me I could be arrested if I failed to pay back my debt. Is this true?
UPDATED 11/6/2013 http://
No, you cannot be arrested for defaulting on a payday loan. You should report the lender’s threat to your state attorney general. You can also submit a complaint with the CFPB online or by calling 1-855-411-CFPB (2372).
(Nevertheless, if a lender has obtained a judgment against you and you ignore an order to appear in court, a judge may issue a warrant for your arrest. You should never ignore a court order. If you get a court order to appear, you should go to court and provide any required info)"

Caution – your personal information may be  a real target, not  a loan:  
Internet payday lenders may sell or pirate personal financial information even before a loan is agreed to or the borrower opts to not complete the transaction. - Your lender may be operating out-of-state or overseas, which means if they violate the law it is hard to track them down, prosecute, and recover your lost funds. Consumers are strongly warned against entering personal or financial data on Internet-based application forms. Such data can be misused or pirated even before a loan is agreed to by the borrower.
The Washington State Department of Financial Institutions (DFI) received a report that may be providing consumers’ personal information to a third-party who appears to be running an advanced fee loan scam.

Remember payday loans with their enormously high interest rates often mean a spiral of debt.


BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.