Personal loans in Bloomingdale, NJ
In Bloomingdale, one of 323 Census places in New Jersey, the figure to compare across lenders is the APR, not the advertised rate. A 2020-to-2023 comparison shows Bloomingdale down by about 2.3%.
With an estimated 7,598 residents, Bloomingdale is the 149th-largest of 323 places in New Jersey. Verify the lender's New Jersey licence against the regulator named below before borrowing in Bloomingdale. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Bloomingdale's 7,598 residents. The nearest larger city is Wanaque, NJ about 2 miles away.
Bloomingdale: population, trend and location
Bloomingdale is a small town; the notes below cover its population profile and the statewide rules that apply.
- Population: 7,598 people, a figure that places Bloomingdale 149th among the 323 Census places in New Jersey (US Census Bureau, Vintage 2023).
- Population trend: About 2.3% below the 2020 Census base.
- People gained or lost: about 178 fewer since the 2020 base.
- Size percentile: Bloomingdale sits ahead of around 54% of New Jersey places, at 7,598 people.
- Land and density: 8.8 square miles of land carry roughly 863 residents per square mile.
- Land area: Bloomingdale covers 8.8 square miles, the 24th-largest area among New Jersey's 323 places.
- Water area: Bloomingdale has 0.45 square miles of water, ranking 70th of 323 places in New Jersey.
- State share: roughly 0.2% of New Jersey's residents live in Bloomingdale (7,598 people).
- National standing: Bloomingdale ranks 3,794th of 19,457 US places.
- Growth in New Jersey: Bloomingdale stands 301st by percentage change from 2020 to 2023, among 323 places.
- State comparison: New Jersey's places average +0.3% for 2020-to-2023, against Bloomingdale's 2.3%.
- Density rank: Bloomingdale places 290th among New Jersey's places by people per square mile.
- Density vs New Jersey: Bloomingdale's 863 people per square mile compare with a state median of 3,448.
- Location: mapped by the US Census Bureau at 41.0355, -74.3356.
- Nearest larger cities: Wanaque (2 mi); Butler (3 mi); Pompton Lakes (3 mi); Kinnelon (5 mi); Oakland (5 mi). Lenders licensed in the state serve Bloomingdale whether or not they keep a local branch.
- Smaller places close by: Riverdale (3 mi); Midland Park (10 mi); Allendale (11 mi).
- Within a 50-mile radius: 176 smaller Census places.
- Within 100 miles: 250 places are larger than Bloomingdale.
The Bloomingdale borrowing checklist
A sensible order of operations for a loan in Bloomingdale, home to about 7,598 people:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Test your amount and term in the personal loan calculator first.
- 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.
- Keep the amount to the expense; an approval is not a reason to take more.
- Be clear on what the loan is for and how it gets repaid.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
What differs between Bloomingdale and the rest of New Jersey is not the process but the borrower's own file, among the 7,598 people here.
New Jersey rules behind a Bloomingdale personal loan
Read the table as a lender's compliance picture for Bloomingdale: 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 |
| 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 |
Where Bloomingdale sits
Bloomingdale covers about 8.8 square miles of land, with 0.45 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 863 people per square mile. Newark, the largest place in New Jersey, is about 23 miles from Bloomingdale. Within 50 miles of Bloomingdale there are 164 larger Census places. Within the same 50 miles lie 176 smaller Census places.
Getting a loan in Bloomingdale
With about 863 residents per square mile, Bloomingdale is moderately settled, and 164 larger Census places sit within 50 miles. A New Jersey licence lets a lender serve Bloomingdale without a local office, so branch density does not change what its 7,598 residents are offered. The nearest larger city, Wanaque, NJ about 2 miles away.
Bloomingdale in state context
Within New Jersey, Bloomingdale holds roughly 0.2% of all residents, the 149th-largest share among 323 places. On the 2020-to-2023 trend, Bloomingdale stands 301st among New Jersey's 323 places — roughly the 7th percentile. Its roughly 863 residents per square mile place it 290th among New Jersey's places. In land area, Bloomingdale ranks 24th among New Jersey's 323 places.
Common questions
What are my options in Bloomingdale if my credit is poor?
What loan size can I expect in Bloomingdale?
Do I have to pledge anything to borrow in Bloomingdale?
Does comparing loans in Bloomingdale cost me credit score points?
Nearby places
- Butler, NJ — population 8,133
- Riverdale, NJ — population 4,105
- Wanaque, NJ — population 11,048
- Pompton Lakes, NJ — population 10,874
- Kinnelon, NJ — population 10,009
- Ringwood, NJ — population 11,451
- Oakland, NJ — population 12,680
- Lincoln Park, NJ — population 10,951