Lambertville at a glance
- Population: roughly 4,157 people; 215th of 323 places in New Jersey (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 4,141 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up roughly 0.4% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among New Jersey places: 215th by size among 323 communities (US Census Bureau).
- Size percentile: roughly 33% of New Jersey's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.3686, -74.9430.
- Nearest larger cities: Doylestown, PA (10 mi); Flemington, NJ (11 mi); Trenton, NJ (14 mi); Morrisville, PA (14 mi); Princeton, NJ (15 mi); US Census Bureau population estimates.
- Nearest smaller communities: New Hope, PA (1 mi); Stockton, NJ (3 mi); Pennington, NJ (9 mi) (Census populations).
What a personal loan costs in Lambertville
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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 Lambertville
The sourced rows below are the rules a licensed lender must follow when lending in New Jersey, and therefore in Lambertville.
| 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 Lambertville
The steps below are worth completing first when you borrow in Lambertville:
- 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.