Secaucus at a glance
- Population: a Census-estimated 21,005, placing it 46th among New Jersey's 323 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 22,186 (US Census Bureau).
- 2020 to 2023 change: down about 5.3% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among New Jersey places: 46th largest of 323 (US Census Bureau).
- Size percentile: roughly 86% of places in New Jersey rank below it by population (US Census Bureau).
- Coordinates: 40.7820 / -74.0676, per the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Union City, NJ (2 mi); West New York, NJ (3 mi); Hoboken, NJ (3 mi); Kearny, NJ (4 mi); Jersey City, NJ (5 mi) (US Census Bureau populations).
- Smaller towns nearby: East Rutherford, NJ (3 mi); North Arlington, NJ (3 mi); Carlstadt, NJ (3 mi) (US Census Bureau).
What a personal loan costs in Secaucus
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
New Jersey lending rules that apply in Secaucus
The table lists the New Jersey rules that apply to a loan made in Secaucus, each with the regulator that published it.
| 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 Secaucus
Before you share your details with a lender in Secaucus:
- 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.