N.J. Admin. Code § 3:19-1.3
A contract for goods or services, whether contained in one or more documents, executed between an owner and the seller or supplier of goods or services to such owner will be deemed a home repair contract if it provides that the time sales price of said goods or services is to be paid in installments over a period of time greater than 90 days; provided, however, that where such an installment contract for goods is made with the express understanding and representation that such goods will be utilized, installed or applied by the owner independently, and not directly or indirectly in connection with any written, oral or implied installment contract for services, such contract for goods will not be deemed to be a home repair contract.
N.J. Admin. Code § 3:19-1.3
See: 23 New Jersey Register 256(a), 23 New Jersey Register 1127(a).
Reference to "three months" changed to "90 days".