Hampton at a glance
- Population: the Census estimates 1,443 residents, ranking 283rd of 323 places in New Jersey (Vintage 2023).
- 2020 Census base: 1,440 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 0.2% more residents than the 2020 Census base (US Census Bureau).
- Rank among New Jersey places: the 283rd-largest of 323 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 12% of the places in New Jersey (US Census Bureau).
- Coordinates: 40.7046, -74.9715 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Glen Gardner, NJ (2 mi); Washington, NJ (4 mi); High Bridge, NJ (5 mi); Clinton, NJ (6 mi); Lebanon, NJ (8 mi) (US Census Bureau).
- Nearest smaller towns: Bloomsbury, NJ (6 mi); Califon, NJ (7 mi); Milford, NJ (11 mi) (US Census Bureau).
What a personal loan costs in Hampton
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Hampton
The sourced rows below are the rules a licensed lender must follow when lending in New Jersey, and therefore in Hampton.
| 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 Hampton
Before you commit to a personal loan in Hampton, work through these steps:
- 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.