Keansburg at a glance
- Population: about 9,648, 117th by size in New Jersey of 323 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 9,761 residents here (US Census Bureau).
- 2020 to 2023 change: a loss of about 1.2% since the 2020 count (US Census Bureau).
- Rank among New Jersey places: 117th-largest of 323 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 64% of New Jersey's Census places by population (US Census Bureau).
- Coordinates: 40.4519 latitude, -74.1556 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Matawan, NJ (5 mi); South Amboy, NJ (7 mi); Perth Amboy, NJ (8 mi); Red Bank, NJ (9 mi); Sayreville, NJ (9 mi); US Census Bureau population estimates.
- Nearest smaller communities: Union Beach, NJ (1 mi); Keyport, NJ (3 mi); Atlantic Highlands, NJ (8 mi) (Census populations).
What a personal loan costs in Keansburg
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
New Jersey lending rules that apply in Keansburg
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Keansburg
Here is a short checklist for comparing personal loans in Keansburg:
- 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.