http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/ea67k2007-07-03T18:18:22.618Z_cokwr: Prohibited, _cpzh4: Consumer loan act applies but rates as agreed to by contract. N.J. Stat. Ann. tit. 17,§ 1 et seq. However, criminal law sets the usury cap at 30%. N.J. Stat. Ann. § 2C: 21-19. A check cashing licensee cannot cash or advance money on a postdated check. N.J. Stat. Ann. § 17:15A-47.