Hello all. I recently made the mistake of acquiring payday loans to help pay off my student loan and other bills. It quickly escalated and I am now paying all kinds of overdraft fees from my bank and just barely paying the interest off my payday loans. I Live in New Jersey and have read contradicting statements that online payday loans are illegal in New Jersey. Some say that they definitely are and others say that since they are online, New Jersey state laws do not apply. If anyone can please clarify, it would be a great help.