Englewood Cliffs at a glance
- Population: 5,321 (US Census Bureau, Vintage 2023 subcounty estimate), the 188th-largest of 323 places in New Jersey.
- 2020 Census base: 5,342 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down roughly 0.4% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among New Jersey places: the 188th-largest of 323 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 42% of places in New Jersey rank below it by population (US Census Bureau).
- Coordinates: 40.8846, -73.9447 (US Census Bureau Gazetteer).
- Nearest larger cities: Englewood, NJ (2 mi); Tenafly, NJ (2 mi); Leonia, NJ (3 mi); Fort Lee, NJ (3 mi); Palisades Park, NJ (4 mi), each a US Census place with its estimated population.
- Nearest smaller places: Demarest, NJ (5 mi); Alpine, NJ (6 mi); Haworth, NJ (6 mi) (US Census Bureau estimates).
What a personal loan costs in Englewood Cliffs
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
New Jersey lending rules that apply in Englewood Cliffs
Read the table as the compliance picture for a lender serving Englewood Cliffs: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Englewood Cliffs
The order below is a sensible way to approach a loan in Englewood Cliffs:
- 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.