Personal loans in Beverly, NJ

If you are weighing a personal loan in Beverly, start from the payment you can carry; its 2,514 residents face the same statewide rules. At about 2,514 residents, Beverly is larger than roughly 24% of the places 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 trend for Beverly between 2020 and 2023 is upward by roughly 0.6%. A single loan can carry different costs on either side of a state line, and Beverly sits on the New Jersey side of that line. Pull your credit reports and line up at least three offers before you apply from Beverly. The closest larger city is Burlington, NJ about 4 miles away.

What the Census records for Beverly

The figures below are Beverly's own — Census population, land area and coordinates — followed by the New Jersey rules.

How lenders reach Beverly

Beverly is fairly dense, with about 4,647 people per square mile and 176 larger places within 50 miles. What is available to Beverly's 2,514 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 Burlington, NJ about 4 miles away.

How personal loans work in Beverly

Most loans made to Beverly's 2,514 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Beverly loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Beverly loan is knowable in advance — unlike a revolving card balance.

Steps to take before a Beverly loan

Before you apply in Beverly, a community of about 2,514, work through these steps:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Look the lender up in the New Jersey regulator's licence records before you sign.
  5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  6. Be clear on what the loan is for and how it gets repaid.
  7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

What differs between Beverly and the rest of New Jersey is not the process but the borrower's own file, among the 2,514 people here.

Beverly: area, density and distance

The Census Gazetteer records 0.5 square miles of land and 0.21 square miles of water within Beverly. That land carries about 4,647 people per square mile. Newark, the largest place in New Jersey, is about 60 miles from Beverly. A 50-mile radius around Beverly takes in 176 places that are larger. The 100-mile radius contains 547 larger places.

The New Jersey lending rules that reach Beverly

For the roughly 2,514 residents of Beverly, the rules below are New Jersey's own; each row carries its publisher and retrieval date.

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

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