Glen Rock at a glance
- Population: 12,076, the 85th-largest community in New Jersey out of 323 (US Census Bureau, Vintage 2023).
- 2020 Census base: 12,135 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population fell about 0.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among New Jersey places: the 85th-largest of 323 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 74% of New Jersey's Census places by population (US Census Bureau).
- Coordinates: mapped at 40.9595, -74.1252 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Ridgewood, NJ (2 mi); Fair Lawn, NJ (2 mi); Hawthorne, NJ (2 mi); Paramus, NJ (3 mi); Paterson, NJ (4 mi) (US Census Bureau populations).
- Nearest smaller places: Midland Park, NJ (3 mi); Prospect Park, NJ (3 mi); Ho-Ho-Kus, NJ (3 mi) (US Census Bureau estimates).
What a personal loan costs in Glen Rock
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Glen Rock
The table carries the New Jersey rate and licensing rules that apply to consumer loans made in Glen Rock.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Glen Rock
Before you share your details with a lender in Glen Rock:
- 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.