Audubon Park at a glance
- Population: 990 — 295th in New Jersey, which has 323 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 989 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: an increase of about 0.1% since the 2020 count (US Census Bureau).
- Rank among New Jersey places: 295th of 323 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 9% of the Census places in New Jersey (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 39.8968, -75.0888.
- Nearest larger cities: Oaklyn, NJ (1 mi); Audubon, NJ (1 mi); Mount Ephraim, NJ (1 mi); Collingswood, NJ (1 mi); Woodlynne, NJ (1 mi) (Census populations, approximate straight-line distance).
- Smaller towns nearby: Tavistock, NJ (3 mi); Hi-Nella, NJ (5 mi); Rutledge, PA (13 mi) (US Census Bureau).
What a personal loan costs in Audubon Park
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
New Jersey lending rules that apply in Audubon Park
The sourced rows below are the rules a licensed lender must follow when lending in New Jersey, and therefore in Audubon Park.
| Rule | Detail | Source |
|---|---|---|
| Criminal usury limits | 30% for non-corporate borrowers; 50% for corporations Source says: "the criminal usury limitation is 50 percent for corporations and 30 percent for non-corporate borrowers" | New Jersey Department of Banking and Insurance as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | Civil usury: rates above 6% (agreement not in writing) or above 16% (written contract specifying the rate) Source says: "the civil usury rate is any interest rate greater than 6 percent for an agreement that is not in writing" | New Jersey Department of Banking and Insurance as of 2026-09-16 |
| Payday lending status | Unlicensed payday lending violates New Jersey's civil and criminal usury rates; payday lenders must be licensed Source says: "out-of-state or foreign entities that have not obtained the required New Jersey license and whose payment terms violate New Jersey's civil and criminal usury rates" | New Jersey Department of Banking and Insurance as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer lender license required for loans of $50,000 or less for personal, family, or household purposes (N.J.S.A. 17:11C-1 et seq.) Source says: "A consumer lender license is required for the making of a loan that is to be used primarily for personal, family or household purposes" | New Jersey Department of Banking and Insurance as of 2026-09-16 |
| State lending regulator | New Jersey Department of Banking and Insurance (DOBI); Office of Consumer Finance supervises consumer lenders Source says: "The Office of Consumer Finance regulates 16 types of businesses that provide a variety of consumer financial services." | New Jersey Department of Banking and Insurance as of 2026-09-16 |
How to compare offers in Audubon Park
The order below is a sensible way to approach a loan in Audubon Park:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in New Jersey using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.