Personal loans in Belvidere, NJ

Belvidere is a small community in New Jersey, with an estimated 2,536 residents, and every licensed lender here follows the same state rulebook. With 2,536 residents, Belvidere outranks about 24% of the communities in New Jersey.

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.

The closest larger place is Washington, NJ about 7 miles away. The 2020 count to the 2023 estimate shows about 0.6% growth in Belvidere. Consumer lending that reaches Belvidere's 2,536 residents is governed by New Jersey statute; no city ordinance changes it. Pull your credit reports and line up at least three offers before you apply from Belvidere.

The Belvidere data picture

Only a few things actually differ by place — population, area, location, and the New Jersey rules a lender must follow — and they are below.

Population: the Census counts 2,536 residents in Belvidere (Vintage 2023 subcounty estimate), the 246th-largest figure among New Jersey's 323 places.
Population trend: About 0.6% above the 2020 Census base.
Net change: roughly 15 more people than the 2020 Census counted.
Size percentile: bigger than about 24% of the places in New Jersey, with 2,536 residents in Belvidere.
Density: the Census land area of 1.4 sq mi holds about 1,750 people per square mile.
Land area rank: Belvidere's 1.4 square miles rank 202nd of 323 places in New Jersey.
Water: Belvidere holds about 0.04 square miles, the 208th-largest water area in New Jersey.
State share: roughly 0.1% of New Jersey's residents live in Belvidere (2,536 people).
Nationally: Belvidere is the 6,797th-largest of 19,457 Census places in the dataset.
Growth rank: Belvidere's 2020-to-2023 change ranks 96th of 323 places in New Jersey.
Against the state trend: Belvidere's 0.6% change compares with a New Jersey average of +0.3% across its 323 places.
Density in New Jersey: Belvidere ranks 242nd by people per square mile.
Against the state median: Belvidere runs about 1,750 residents per square mile, where the New Jersey median is 3,448.
Location: the Census Gazetteer records it at 40.8298, -75.0733.
Nearest larger cities: Washington (7 mi); Bangor (8 mi); Pen Argyl (10 mi); Phillipsburg (11 mi); Wind Gap (11 mi). Lenders licensed in the state serve Belvidere whether or not they keep a local branch.
Smaller places nearby: Portland (7 mi); East Bangor (7 mi); Roseto (8 mi).
Smaller neighbours: 75 places smaller than Belvidere sit within 50 miles.
Within 100 miles: 549 places are larger than Belvidere.

How lenders reach Belvidere

Belvidere is a moderately settled community of about 2,536 people, with 158 larger places inside a 50-mile radius. What is available to Belvidere's 2,536 borrowers is set by New Jersey licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Washington, NJ about 7 miles away.

A practical checklist for Belvidere borrowers

Complete these steps first when you borrow in Belvidere (2,536 residents):

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Use the loan calculator to test the payment on your intended amount and term.
Get several pre-qualifications and compare APR side by side before choosing.
Verify the lender's New Jersey licence with the regulator listed on this page.
Test the payment against your current bills before you commit.
Weigh a shorter term's higher payment against the interest it saves.
Borrow only what the purpose requires, not the maximum you are offered.

None of these steps is Belvidere-specific: the same New Jersey licensing and disclosure rules reach all 2,536 residents.

The New Jersey lending rules that reach Belvidere

Read the table as a lender's compliance picture for Belvidere: the rule, the sourced figure, the publisher and the date.

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
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 a Belvidere personal loan is priced

A Belvidere personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,536 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Belvidere. A longer term lowers the monthly payment on a Belvidere loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Belvidere sits in New Jersey

Against New Jersey's other places, Belvidere accounts for about 0.1% of the state's population and ranks 246th of 323 by size. On the 2020-to-2023 trend, Belvidere stands 96th among New Jersey's 323 places — roughly the 70th percentile. By density, at about 1,750 people per square mile, it ranks 242nd in New Jersey. Within 50 miles sit 75 smaller Census places, alongside the 158 that are larger.

Compare personal loan offers Run the numbers first

Common questions

What are my options in Belvidere 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 Belvidere is the same as anywhere in New Jersey.

What loan size can I expect in Belvidere?

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 Belvidere?

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 Belvidere 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

Portland, PA — population 481
Washington, NJ — population 7,335
East Bangor, PA — population 1,107
Bangor, PA — population 5,128
Delaware Water Gap, PA — population 666
Roseto, PA — population 1,559
Hampton, NJ — population 1,443
Bloomsbury, NJ — population 796