Runnemede at a glance
- Population: 8,338 — 138th in New Jersey, which has 323 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 8,326 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 0.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among New Jersey places: 138th out of 323 Census places (US Census Bureau).
- Size percentile: about 57% of New Jersey's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 39.8534, -75.0755 by the US Census Bureau Gazetteer.
- Nearest larger cities: Bellmawr, NJ (1 mi); Audubon, NJ (3 mi); Gloucester City, NJ (3 mi); Haddonfield, NJ (4 mi); Woodbury, NJ (4 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Barrington, NJ (2 mi); Haddon Heights, NJ (2 mi); Mount Ephraim, NJ (2 mi) (US Census Bureau).
What a personal loan costs in Runnemede
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 is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
New Jersey lending rules that apply in Runnemede
Read the table as the compliance picture for a lender serving Runnemede: label, sourced figure, publisher and date.
| 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 Runnemede
Here is a short checklist for comparing personal loans in Runnemede:
- 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.