Oradell at a glance
- Population: roughly 8,188 people; 141st of 323 places in New Jersey (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 8,247 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population fell about 0.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among New Jersey places: 141st largest of 323 (US Census Bureau).
- Size percentile: it exceeds roughly 56% of New Jersey's Census places by population (US Census Bureau).
- Coordinates: 40.9567, -74.0329 (US Census Bureau Gazetteer).
- Nearest larger cities: New Milford, NJ (2 mi); Paramus, NJ (2 mi); River Edge, NJ (2 mi); Westwood, NJ (2 mi); Dumont, NJ (2 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Emerson, NJ (1 mi); Haworth, NJ (2 mi); Harrington Park, NJ (4 mi) (Census populations).
What a personal loan costs in Oradell
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Oradell
The table carries the New Jersey rate and licensing rules that apply to consumer loans made in Oradell.
| 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 Oradell
Before you share your details with a lender in Oradell:
- 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.