Pine Beach at a glance
- Population: about 2,193 residents, ranking 256th of 323 Census places in New Jersey (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 2,139 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 2.5% higher than at the 2020 Census (US Census Bureau).
- Rank among New Jersey places: 256th-largest of 323 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 21% of places in New Jersey are smaller (US Census Bureau).
- Coordinates: 39.9361 latitude, -74.1698 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Beachwood, NJ (2 mi); South Toms River, NJ (2 mi); Seaside Heights, NJ (5 mi); Lakehurst, NJ (10 mi); Point Pleasant, NJ (11 mi), each a US Census place with its estimated population.
- Smaller places close by: Island Heights, NJ (1 mi); Ocean Gate, NJ (2 mi); Seaside Park, NJ (5 mi) (US Census Bureau).
What a personal loan costs in Pine Beach
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Pine Beach
Each row below is a New Jersey rule with its publisher and the date it was retrieved.
| 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 Pine Beach
Here is a short checklist for comparing personal loans in Pine Beach:
- 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.