Hamburg at a glance
- Population: a Census-estimated 3,331, placing it 229th among New Jersey's 323 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 3,272 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 1.8% more residents than the 2020 Census base (US Census Bureau).
- Rank among New Jersey places: 229th by size among 323 communities (US Census Bureau).
- Size percentile: it exceeds roughly 29% of New Jersey's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 41.1488, -74.5734.
- Nearest larger cities: Franklin, NJ (3 mi); Newton, NJ (12 mi); Warwick, NY (14 mi); Hopatcong, NJ (14 mi); Bloomingdale, NJ (15 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Sussex, NJ (5 mi); Ogdensburg, NJ (5 mi); Branchville, NJ (9 mi) — US Census Bureau populations.
What a personal loan costs in Hamburg
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.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
New Jersey lending rules that apply in Hamburg
Each row below is a New Jersey rule with its publisher and the date it was retrieved.
| 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 Hamburg
The order below is a sensible way to approach a loan in Hamburg:
- 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.