Belmar at a glance
- Population: 5,816 — 181st in New Jersey, which has 323 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 5,903 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 1.5% below the 2020 Census base (US Census Bureau).
- Rank among New Jersey places: 181st of the state's 323 Census places (US Census Bureau).
- Size percentile: larger than about 44% of the Census places in New Jersey (US Census Bureau).
- Coordinates: mapped at 40.1797, -74.0244 by the US Census Bureau Gazetteer.
- Nearest larger cities: Asbury Park, NJ (3 mi); Manasquan, NJ (5 mi); Tinton Falls, NJ (7 mi); Point Pleasant, NJ (7 mi); West Long Branch, NJ (7 mi) — straight-line distances, US Census Bureau populations.
- Smaller places close by: Lake Como, NJ (1 mi); Avon-by-the-Sea, NJ (1 mi); Neptune City, NJ (2 mi) (US Census Bureau).
What a personal loan costs in Belmar
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
New Jersey lending rules that apply in Belmar
The table carries the New Jersey rate and licensing rules that apply to consumer loans made in Belmar.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Belmar
Run through this list before signing anything in Belmar:
- 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.