Hi-Nella at a glance
- Population: 928 people, the 297th-largest place among New Jersey's 323 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 927 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 0.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among New Jersey places: 297th in population of 323 places (US Census Bureau).
- Size percentile: roughly 8% of New Jersey's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 39.8365, -75.0220 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Somerdale, NJ (1 mi); Stratford, NJ (1 mi); Laurel Springs, NJ (1 mi); Magnolia, NJ (2 mi); Lindenwold, NJ (2 mi) (US Census Bureau populations).
- Smaller towns nearby: Tavistock, NJ (3 mi); Rutledge, PA (17 mi); Ardentown, DE (24 mi) (US Census Bureau).
What a personal loan costs in Hi-Nella
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
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.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
New Jersey lending rules that apply in Hi-Nella
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Hi-Nella
These steps are the ones that most affect the offer you receive in Hi-Nella:
- 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.