Beach Haven at a glance
- Population: the Census estimates 1,069 residents, ranking 292nd of 323 places in New Jersey (Vintage 2023).
- 2020 Census base: 1,041 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population rose about 2.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among New Jersey places: 292nd-largest of 323 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 10% of New Jersey's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 39.5760, -74.2518 in the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Tuckerton, NJ (4 mi); Ship Bottom, NJ (6 mi); Surf City, NJ (7 mi); Port Republic, NJ (12 mi); Brigantine, NJ (13 mi) (US Census Bureau).
- Smaller towns nearby: Harvey Cedars, NJ (10 mi); Barnegat Light, NJ (14 mi); Longport, NJ (23 mi) (US Census Bureau).
What a personal loan costs in Beach Haven
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
New Jersey lending rules that apply in Beach Haven
Read the table as the compliance picture for a lender serving Beach Haven: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Beach Haven
Here is a short checklist for comparing personal loans in Beach Haven:
- 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.