Waldwick at a glance
- Population: 10,105 — 110th in New Jersey, which has 323 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 10,057 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population rose about 0.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among New Jersey places: 110th-largest of 323 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 66% of New Jersey's Census places by population (US Census Bureau).
- Coordinates: it sits at 41.0134, -74.1252 in the US Census Bureau Gazetteer.
- Nearest larger cities: Ridgewood, NJ (2 mi); Ramsey, NJ (4 mi); Glen Rock, NJ (4 mi); Franklin Lakes, NJ (4 mi); Hawthorne, NJ (4 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Allendale, NJ (1 mi); Midland Park, NJ (1 mi); Ho-Ho-Kus, NJ (2 mi) — US Census Bureau populations.
What a personal loan costs in Waldwick
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
New Jersey lending rules that apply in Waldwick
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Waldwick
The order below is a sensible way to approach a loan in Waldwick:
- 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.