Chesilhurst at a glance
- Population: 1,546 (US Census Bureau, Vintage 2023 subcounty estimate), the 279th-largest of 323 places in New Jersey.
- 2020 Census base: 1,532 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 0.9% higher than at the 2020 Census (US Census Bureau).
- Rank among New Jersey places: 279th of 323 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 14% of places in New Jersey rank below it by population (US Census Bureau).
- Coordinates: mapped at 39.7298, -74.8805 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Berlin, NJ (5 mi); Pine Hill, NJ (7 mi); Clementon, NJ (7 mi); Hammonton, NJ (8 mi); Gibbsboro, NJ (8 mi) (US Census Bureau).
- Nearest smaller communities: Hi-Nella, NJ (11 mi); Tavistock, NJ (13 mi); Audubon Park, NJ (16 mi) (Census populations).
What a personal loan costs in Chesilhurst
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
New Jersey lending rules that apply in Chesilhurst
The sourced rows below are the rules a licensed lender must follow when lending in New Jersey, and therefore in Chesilhurst.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Chesilhurst
Before you commit to a personal loan in Chesilhurst, work through these steps:
- 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.