Lakehurst at a glance
- Population: a Census-estimated 2,703, placing it 244th among New Jersey's 323 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 2,637 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: an increase of about 2.5% since the 2020 count (US Census Bureau).
- Rank among New Jersey places: 244th by size among 323 communities (US Census Bureau).
- Size percentile: about 24% of New Jersey's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.0131, -74.3204.
- Nearest larger cities (within 120 miles): South Toms River, NJ (8 mi); Beachwood, NJ (9 mi); Point Pleasant, NJ (14 mi); Brielle, NJ (15 mi); Point Pleasant Beach, NJ (16 mi) (US Census Bureau populations).
- Nearest smaller communities: Pine Beach, NJ (10 mi); Island Heights, NJ (11 mi); Ocean Gate, NJ (12 mi), each a US Census place.
What a personal loan costs in Lakehurst
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
New Jersey lending rules that apply in Lakehurst
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 |
|---|---|---|
| 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 Lakehurst
The steps below are worth completing first when you borrow in Lakehurst:
- 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.