Haledon at a glance
- Population: 8,834, the 129th-largest community in New Jersey out of 323 (US Census Bureau, Vintage 2023).
- 2020 Census base: 9,052 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 2.4% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among New Jersey places: 129th in population of 323 places (US Census Bureau).
- Size percentile: it exceeds roughly 60% of New Jersey's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.9370, -74.1889.
- Nearest larger cities (within 120 miles): Paterson, NJ (2 mi); Hawthorne, NJ (2 mi); Totowa, NJ (3 mi); Woodland Park, NJ (3 mi); Glen Rock, NJ (4 mi) (US Census Bureau populations).
- Nearest smaller towns: Prospect Park, NJ (1 mi); North Haledon, NJ (2 mi); Midland Park, NJ (5 mi) — US Census Bureau populations.
What a personal loan costs in Haledon
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Haledon
The sourced rows below are the rules a licensed lender must follow when lending in New Jersey, and therefore in Haledon.
| 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 Haledon
Run through this list before signing anything in Haledon:
- 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.