Bordentown at a glance
- Population: the Census estimates 4,021 residents, ranking 218th of 323 places in New Jersey (Vintage 2023).
- 2020 Census base: 3,994 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 0.7% growth over the 2020 Census base (US Census Bureau).
- Rank among New Jersey places: 218th out of 323 Census places (US Census Bureau).
- Size percentile: roughly 33% of places in New Jersey rank below it by population (US Census Bureau).
- Coordinates: 40.1497 latitude, -74.7077 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Morrisville, PA (6 mi); Trenton, NJ (6 mi); Bristol, PA (8 mi); Burlington, NJ (9 mi); Hightstown, NJ (13 mi); each population is a US Census Bureau estimate.
- Smaller places close by: Fieldsboro, NJ (2 mi); Tullytown, PA (5 mi); Allentown, NJ (7 mi) (US Census Bureau).
What a personal loan costs in Bordentown
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Bordentown
The table carries the New Jersey rate and licensing rules that apply to consumer loans made in Bordentown.
| 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 Bordentown
These steps are the ones that most affect the offer you receive in Bordentown:
- 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.