Guttenberg at a glance
- Population: about 11,365 residents, ranking 93rd of 323 Census places in New Jersey (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 12,016 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 5.4% lower than the 2020 Census base (US Census Bureau).
- Rank among New Jersey places: 93rd in population of 323 places (US Census Bureau).
- Size percentile: ahead of around 71% of New Jersey places in population terms (US Census Bureau).
- Coordinates: 40.7928, -74.0046 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: West New York, NJ (1 mi); Fairview, NJ (2 mi); Cliffside Park, NJ (2 mi); Union City, NJ (2 mi); Edgewater, NJ (3 mi) — straight-line distances, US Census Bureau populations.
- Smaller places close by: Carlstadt, NJ (4 mi); Little Ferry, NJ (4 mi); Moonachie, NJ (4 mi) (US Census Bureau).
What a personal loan costs in Guttenberg
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Guttenberg
The table lists the New Jersey rules that apply to a loan made in Guttenberg, each with the regulator that published it.
| 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 Guttenberg
The steps below are worth completing first when you borrow in Guttenberg:
- 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.