Sea Isle City at a glance
- Population: 2,122 — 259th in New Jersey, which has 323 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,103 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population rose about 0.9% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among New Jersey places: 259th out of 323 Census places (US Census Bureau).
- Size percentile: roughly 20% of places in New Jersey rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 39.1508, -74.7027.
- Nearest larger cities (within 120 miles): Woodbine, NJ (8 mi); Ocean City, NJ (10 mi); North Wildwood, NJ (11 mi); Somers Point, NJ (13 mi); Wildwood, NJ (13 mi) (US Census Bureau populations).
- Nearest smaller towns: Avalon, NJ (5 mi); Stone Harbor, NJ (8 mi); Corbin City, NJ (10 mi) — US Census Bureau populations.
What a personal loan costs in Sea Isle City
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.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
New Jersey lending rules that apply in Sea Isle City
The sourced rows below are the rules a licensed lender must follow when lending in New Jersey, and therefore in Sea Isle City.
| 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 Sea Isle City
These steps are the ones that most affect the offer you receive in Sea Isle City:
- 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.