Pleasantville at a glance
- Population: 20,613 residents, the 47th-largest of 323 places in New Jersey (US Census Bureau, Vintage 2023).
- 2020 Census base: 20,627 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 0.1% below the 2020 Census base (US Census Bureau).
- Rank among New Jersey places: 47th largest of 323 (US Census Bureau).
- Size percentile: roughly 85% of New Jersey's places have fewer residents (US Census Bureau).
- Coordinates: 39.3888 latitude, -74.5143 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Atlantic City, NJ (3 mi); Vineland, NJ (26 mi); Millville, NJ (29 mi); Bridgeton, NJ (38 mi); Glassboro, NJ (38 mi) (US Census Bureau populations).
- Nearest smaller towns: Northfield, NJ (2 mi); Absecon, NJ (3 mi); Ventnor City, NJ (4 mi) (US Census Bureau).
What a personal loan costs in Pleasantville
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
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 Pleasantville
The table carries the New Jersey rate and licensing rules that apply to consumer loans made in Pleasantville.
| 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 Pleasantville
A few practical steps will make the process in Pleasantville less costly:
- 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.