Wrightstown at a glance
- Population: about 722, 307th by size in New Jersey of 323 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 718 residents here (US Census Bureau).
- 2020 to 2023 change: up roughly 0.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among New Jersey places: 307th by size among 323 communities (US Census Bureau).
- Size percentile: ahead of around 5% of New Jersey places in population terms (US Census Bureau).
- Coordinates: it sits at 40.0256, -74.6319 in the US Census Bureau Gazetteer.
- Nearest larger cities: Pemberton, NJ (5 mi); Bordentown, NJ (9 mi); Allentown, NJ (11 mi); Burlington, NJ (12 mi); Tullytown, PA (12 mi); US Census Bureau population estimates.
- Nearest smaller places: Fieldsboro, NJ (9 mi); Tavistock, NJ (23 mi); Mantoloking, NJ (31 mi) (US Census Bureau estimates).
What a personal loan costs in Wrightstown
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Wrightstown
The table carries the New Jersey rate and licensing rules that apply to consumer loans made in Wrightstown.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Wrightstown
Run through this list before signing anything in Wrightstown:
- 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.