New Jersey is one of the 13 states in America that does not allow payday lending under state law. Moreover, NJ state usury laws forbid charging borrowers more than a 30% annual percentage rate (APR).
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New Jersey is one of the 50 states of the United States of America. It is in the northeastern section of the country along the coast of the Atlantic Ocean.
The capital of New Jersey is Trenton and the largest city is Newark, though New Jersey is better known for bordering the large cities of New York City and Philadelphia. The state nickname is "The Garden State". The current governor is Chris Christie.
New Jersey is the fourth-smallest state, but has the eleventh-highest number of people. It therefore has the highest population density (number of people for the amount of land) in the United States. New Jersey is also well known for its beaches, industries, swamps, and pine forests.
The climate is hot & humid summers and cold winters. About 1200 mm of precipitation every year. The average temperature in July is 25-30 degrees celsius and in January around freezing point.