Personal loans in Barrington, NJ

Barrington, New Jersey — home to about 7,069 people — is a small town, so the terms you are offered follow New Jersey law rather than any local rule. A lender that serves Barrington operates under New Jersey lending statutes and a New Jersey supervisor. Barrington is one of 323 Census places in New Jersey; its 7,069 residents put it at 158th. Compare APR, not the interest rate, because the APR folds in most fees on a Barrington loan. Barrington's population held flat through the 2020-to-2023 comparison. The closest larger place is Haddon Heights, NJ about 1 miles away.

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

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.

Barrington by the numbers

Here is the sourced Census picture for Barrington, plus the New Jersey lending rules that apply to a loan taken out here.

How Barrington compares across New Jersey

Among New Jersey's 323 places, Barrington sits at 158th for population, a share of roughly 0.2% of the state. Its 2020-to-2023 change ranks 153rd of 323 New Jersey places, putting it near the 53th percentile for growth. By density, at about 4,471 people per square mile, it ranks 107th in New Jersey. In land area, Barrington ranks 188th among New Jersey's 323 places.

Borrowing reach in Barrington

Barrington is a fairly dense community of about 7,069 people, with 62 larger places inside a 50-mile radius. What is available to Barrington's 7,069 borrowers is set by New Jersey licensing and your own credit, not by how many branches are nearby. The nearest larger city, Haddon Heights, NJ about 1 miles away.

Inside a Barrington personal loan

Barrington is a small town of about 7,069 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Barrington loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Barrington decides the split between a comfortable payment and the total interest you pay.

The New Jersey lending rules that reach Barrington

This table holds the New Jersey rate and licensing rules for consumer loans made to Barrington's 7,069 residents.

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
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 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

Barrington: area, density and distance

The Census Gazetteer records about 1.6 square miles of land within Barrington, with no significant water area listed. Spread across it are roughly 4,471 residents per square mile. For the state's biggest city, Newark, the distance is roughly 75 miles. Barrington has 62 larger places within a 50-mile radius. Within the same 50 miles lie 153 smaller Census places.

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 Barrington 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 Barrington is the same as anywhere in New Jersey.
What loan size can I expect in Barrington?
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 Barrington?
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 Barrington 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.

Nearby places

Related