Hawthorne at a glance
- Population: a Census-estimated 19,496, placing it 51st among New Jersey's 323 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 19,636 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 0.7% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among New Jersey places: 51st out of 323 Census places (US Census Bureau).
- Size percentile: about 84% of New Jersey's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.9570, -74.1586.
- Nearest larger cities: Fair Lawn, NJ (3 mi); Ridgewood, NJ (3 mi); Paterson, NJ (3 mi); Elmwood Park, NJ (4 mi); Paramus, NJ (5 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Prospect Park, NJ (1 mi); North Haledon, NJ (1 mi); Glen Rock, NJ (2 mi), per US Census Bureau estimates.
What a personal loan costs in Hawthorne
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Hawthorne
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Hawthorne
Here is a short checklist for comparing personal loans in Hawthorne:
- 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.