Mount Ephraim at a glance
- Population: 4,654 residents, the 203rd-largest of 323 places in New Jersey (US Census Bureau, Vintage 2023).
- 2020 Census base: 4,657 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 0.1% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among New Jersey places: 203rd by size among 323 communities (US Census Bureau).
- Size percentile: larger than about 37% of the Census places in New Jersey (US Census Bureau).
- Coordinates: 39.8795, -75.0918 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (within 120 miles): Bellmawr, NJ (1 mi); Audubon, NJ (1 mi); Haddon Heights, NJ (1 mi); Gloucester City, NJ (2 mi); Runnemede, NJ (2 mi) (US Census Bureau populations).
- Smaller places nearby: Audubon Park, NJ (1 mi); Brooklawn, NJ (2 mi); Oaklyn, NJ (2 mi), per US Census Bureau estimates.
What a personal loan costs in Mount Ephraim
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Mount Ephraim
The New Jersey rate caps and licensing rules that reach Mount Ephraim are listed below, each with its source and retrieval date.
| 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 Mount Ephraim
Before you commit to a personal loan in Mount Ephraim, work through these steps:
- 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.