Personal loans in Avon-by-the-Sea, NJ

Avon-by-the-Sea is home to roughly 1,933 people and stands 263rd by size out of 323 Census places in New Jersey. Avon-by-the-Sea's population held flat through the 2020-to-2023 comparison.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Avon-by-the-Sea, New Jersey — home to about 1,933 people — is a small community, so the terms you are offered follow New Jersey law rather than any local rule. Consumer lending that reaches Avon-by-the-Sea's 1,933 residents is governed by New Jersey statute; no city ordinance changes it. Use the calculator on this page to price an amount and term before you commit in Avon-by-the-Sea. The next larger city is Bradley Beach, NJ about 1 miles away.

Local context for Avon-by-the-Sea

What follows is Avon-by-the-Sea's place in the Census record, alongside the New Jersey rules that govern a personal loan made here.

What New Jersey law requires in Avon-by-the-Sea

These are New Jersey's sourced lending facts as they reach Avon-by-the-Sea's 1,933 residents; the state has no city-level rate rule.

RuleDetailSource
State lending regulatorNew 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
Payday lending statusUnlicensed 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 licensingConsumer 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 personal loans work in Avon-by-the-Sea

With roughly 1,933 residents, Avon-by-the-Sea is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Avon-by-the-Sea lender to disclose the APR and finance charge before you sign. Shortening the term on a Avon-by-the-Sea loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Avon-by-the-Sea: area, density and distance

Avon-by-the-Sea covers about 0.4 square miles of land, with 0.12 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 4,538 people per square mile. Newark, the largest place in New Jersey, is about 38 miles from Avon-by-the-Sea. A 50-mile radius around Avon-by-the-Sea takes in 179 places that are larger. The 100-mile radius contains 506 larger places.

Borrowing reach in Avon-by-the-Sea

Avon-by-the-Sea is a fairly dense community of about 1,933 people, with 179 larger places inside a 50-mile radius. What is available to Avon-by-the-Sea's 1,933 borrowers is set by New Jersey licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Bradley Beach, NJ about 1 miles away.

Avon-by-the-Sea in state context

Set beside New Jersey's 323 places, Avon-by-the-Sea ranks 263rd by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Avon-by-the-Sea ranks 154th of 323 in New Jersey (about the 52th percentile). By density, at about 4,538 people per square mile, it ranks 103rd in New Jersey. By land area, its 0.4 square miles rank 307th of 323 places in New Jersey.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Avon-by-the-Sea if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Avon-by-the-Sea is the same as anywhere in New Jersey.
What loan size can I expect in Avon-by-the-Sea?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Avon-by-the-Sea?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Avon-by-the-Sea cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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