Englishtown at a glance
- Population: 2,342, the 252nd-largest community in New Jersey out of 323 (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,349 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population fell about 0.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among New Jersey places: 252nd-largest of 323 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 22% of the places in New Jersey (US Census Bureau).
- Coordinates: 40.2961 latitude, -74.3596 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Freehold, NJ (5 mi); Jamesburg, NJ (6 mi); Helmetta, NJ (7 mi); Spotswood, NJ (7 mi); Hightstown, NJ (9 mi) (US Census Bureau).
- Nearest smaller towns: Roosevelt, NJ (8 mi); Farmingdale, NJ (12 mi); Allentown, NJ (15 mi) — US Census Bureau populations.
What a personal loan costs in Englishtown
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed 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.
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.
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 Englishtown
Read the table as the compliance picture for a lender serving Englishtown: 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 Englishtown
The order below is a sensible way to approach a loan in Englishtown:
- 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.