Port Republic at a glance
- Population: 1,109, the 291st-largest community in New Jersey out of 323 (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,099 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population rose about 0.9% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among New Jersey places: 291st out of 323 Census places (US Census Bureau).
- Size percentile: ahead of around 10% of New Jersey places in population terms (US Census Bureau).
- Coordinates: it sits at 39.5348, -74.4761 in the US Census Bureau Gazetteer.
- Nearest larger cities: Egg Harbor City, NJ (7 mi); Absecon, NJ (8 mi); Tuckerton, NJ (9 mi); Brigantine, NJ (10 mi); Pleasantville, NJ (10 mi); US Census Bureau population estimates.
- Smaller towns nearby: Beach Haven, NJ (12 mi); Longport, NJ (16 mi); Corbin City, NJ (20 mi) (US Census Bureau).
What a personal loan costs in Port Republic
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
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.
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 Port Republic
The sourced rows below are the rules a licensed lender must follow when lending in New Jersey, and therefore in Port Republic.
| 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 Port Republic
Run through this list before signing anything in Port Republic:
- 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.