Haddonfield at a glance
- Population: 12,571 residents, the 82nd-largest of 323 places in New Jersey (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 12,551 (US Census Bureau).
- 2020 to 2023 change: up about 0.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among New Jersey places: 82nd of 323 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 75% of places in New Jersey rank below it by population (US Census Bureau).
- Coordinates: mapped at 39.8954, -75.0344 by the US Census Bureau Gazetteer.
- Nearest larger cities: Collingswood, NJ (3 mi); Camden, NJ (5 mi); Lindenwold, NJ (6 mi); Philadelphia, PA (9 mi); Glassboro, NJ (14 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Tavistock, NJ (1 mi); Lawnside, NJ (2 mi); Haddon Heights, NJ (2 mi) — US Census Bureau populations.
What a personal loan costs in Haddonfield
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
New Jersey lending rules that apply in Haddonfield
The sourced rows below are the rules a licensed lender must follow when lending in New Jersey, and therefore in Haddonfield.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Haddonfield
Here is a short checklist for comparing personal loans in Haddonfield:
- 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.