Personal loans in Brigantine, NJ
When New Jersey caps or restricts a product, lenders either change the terms or withdraw it from Brigantine as from the rest of the state.
Two households in Brigantine with comparable incomes can still be offered different rates; the city's 7,602 residents are not the reason. Brigantine is home to roughly 7,602 people and stands 148th by size out of 323 Census places in New Jersey. Brigantine shed about 1.5% of its population between the 2020 base and the 2023 estimate. Rate-shopping from Brigantine costs nothing at pre-qualification, where a soft pull leaves your credit file alone. For a bigger market, look to Atlantic City, NJ about 5 miles away.
Local context for Brigantine
What follows is Brigantine's place in the Census record, alongside the New Jersey rules that govern a personal loan made here.
- Population: a Census-estimated 7,602, 148th among New Jersey's 323 places (Vintage 2023).
- Population trend: Roughly 1.5% fewer residents than the 2020 Census counted.
- Net change: roughly 119 fewer people than the 2020 Census counted.
- Size percentile: Brigantine's 7,602 people outrank roughly 54% of the places in New Jersey.
- Density: the Census land area of 6.5 sq mi holds about 1,165 people per square mile.
- By land area: Brigantine ranks 39th among New Jersey's 323 places, at 6.5 sq mi.
- Water: Brigantine holds about 4.34 square miles, the 6th-largest water area in New Jersey.
- Within New Jersey: about 0.2% of the state's population lives in Brigantine.
- Nationally: Brigantine is the 3,792nd-largest of 19,457 Census places in the dataset.
- Growth rank: Brigantine's 2020-to-2023 change ranks 279th of 323 places in New Jersey.
- Against the state trend: Brigantine's 1.5% change compares with a New Jersey average of +0.3% across its 323 places.
- Density in New Jersey: Brigantine ranks 271st by people per square mile.
- Density in context: Brigantine's 1,165 people per square mile sit against a New Jersey median of 3,448.
- Location: 39.4139, -74.3779 (US Census Bureau Gazetteer).
- Nearest larger cities: Atlantic City (5 mi); Absecon (6 mi); Ventnor City (7 mi); Pleasantville (7 mi); Northfield (10 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller places nearby: Margate City (9 mi); Port Republic (10 mi); Longport (11 mi).
- Smaller places within 50 miles: 58 of them.
- Larger places within 100 miles: 142.
What a Brigantine borrower is actually offered
In Brigantine, a small town of about 7,602, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Brigantine loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Brigantine loan but raises total interest, so the smallest payment is not the cheapest loan.
Borrowing reach in Brigantine
At roughly 1,165 people per square mile, Brigantine is moderately settled; 22 larger places lie within 50 miles. Distance to a branch rarely matters for Brigantine's 7,602 residents: the application is online and the price follows your credit file. The nearest larger city, Atlantic City, NJ about 5 miles away.
Brigantine on the map
The Census Gazetteer records 6.5 square miles of land and 4.34 square miles of water within Brigantine. Spread across it are roughly 1,165 residents per square mile. For the state's biggest city, Newark, the distance is roughly 91 miles. A 50-mile radius around Brigantine takes in 22 places that are larger. The 100-mile radius contains 142 larger places.
Brigantine against the rest of New Jersey
Against New Jersey's other places, Brigantine accounts for about 0.2% of the state's population and ranks 148th of 323 by size. On the 2020-to-2023 trend, Brigantine stands 279th among New Jersey's 323 places — roughly the 14th percentile. Its roughly 1,165 residents per square mile place it 271st among New Jersey's places. In land area, Brigantine ranks 39th among New Jersey's 323 places.
The New Jersey lending rules that reach Brigantine
This table holds the New Jersey rate and licensing rules for consumer loans made to Brigantine's 7,602 residents.
| 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 |
| 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 |
| Small-loan / installment lender licensing | Consumer 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 |
Common questions
What are my options in Brigantine if my credit is poor?
What loan size can I expect in Brigantine?
Do I have to pledge anything to borrow in Brigantine?
Does comparing loans in Brigantine cost me credit score points?
Nearby places
- Atlantic City, NJ — population 38,464
- Absecon, NJ — population 9,130
- Ventnor City, NJ — population 9,226
- Pleasantville, NJ — population 20,613
- Margate City, NJ — population 5,162
- Port Republic, NJ — population 1,109
- Northfield, NJ — population 8,426
- Longport, NJ — population 878