Fieldsboro at a glance
- Population: the Census estimates 538 residents, ranking 311th of 323 places in New Jersey (Vintage 2023).
- 2020 Census base: 530 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population rose about 1.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among New Jersey places: 311th-largest of 323 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 4% of the places in New Jersey (US Census Bureau).
- Coordinates: latitude 40.1355, longitude -74.7334 (US Census Bureau Gazetteer).
- Nearest larger cities: Bordentown, NJ (2 mi); Tullytown, PA (4 mi); Morrisville, PA (6 mi); Trenton, NJ (6 mi); Bristol, PA (7 mi); US Census Bureau population estimates.
- Smaller places nearby: Stockton, NJ (22 mi); Tavistock, NJ (24 mi); Millstone, NJ (26 mi), per US Census Bureau estimates.
What a personal loan costs in Fieldsboro
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
New Jersey lending rules that apply in Fieldsboro
The sourced rows below are the rules a licensed lender must follow when lending in New Jersey, and therefore in Fieldsboro.
| 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 Fieldsboro
A few practical steps will make the process in Fieldsboro less costly:
- 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.