Rockleigh at a glance
- Population: 405, the 317th-largest community in New Jersey out of 323 (US Census Bureau, Vintage 2023).
- 2020 Census base: 404 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 0.2% growth over the 2020 Census base (US Census Bureau).
- Rank among New Jersey places: 317th in population of 323 places (US Census Bureau).
- Size percentile: it exceeds roughly 2% of New Jersey's Census places by population (US Census Bureau).
- Coordinates: 41.0002, -73.9341 (US Census Bureau Gazetteer).
- Nearest larger cities: Norwood, NJ (1 mi); Northvale, NJ (1 mi); Closter, NJ (2 mi); Alpine, NJ (2 mi); Harrington Park, NJ (2 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Grand View-on-Hudson, NY (4 mi); Teterboro, NJ (12 mi); Centre Island, NY (23 mi) — US Census Bureau populations.
What a personal loan costs in Rockleigh
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
New Jersey lending rules that apply in Rockleigh
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Rockleigh
Here is a short checklist for comparing personal loans in Rockleigh:
- 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.