North Wildwood at a glance
- Population: 3,585 — 226th in New Jersey, which has 323 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 3,628 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 1.2% below the 2020 Census base (US Census Bureau).
- Rank among New Jersey places: the 226th-largest of 323 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 30% of New Jersey's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 39.0059, -74.7975.
- Nearest larger cities: Wildwood, NJ (2 mi); Ocean City, NJ (21 mi); Somers Point, NJ (24 mi); Lewes, DE (24 mi); Linwood, NJ (26 mi) — straight-line distances, US Census Bureau populations.
- Smaller towns nearby: West Wildwood, NJ (1 mi); Stone Harbor, NJ (3 mi); Wildwood Crest, NJ (3 mi) (US Census Bureau).
What a personal loan costs in North Wildwood
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
New Jersey lending rules that apply in North Wildwood
The sourced rows below are the rules a licensed lender must follow when lending in New Jersey, and therefore in North Wildwood.
| 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 North Wildwood
These steps are the ones that most affect the offer you receive in North Wildwood:
- 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.