Personal loans in Camden, NJ

The first question in Camden is not the rate on offer but whether the payment fits; about 71,100 people live here under New Jersey lending law. About 71,100 people live in Camden, placing it 7th of 323 Census places in New Jersey. Camden shed about 0.9% of its population between the 2020 base and the 2023 estimate. Read the disclosure for an origination fee and any prepayment penalty before signing in Camden. The next larger city is Philadelphia, PA about 5 miles away.

Where Camden stands

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

• Population: 71,100 residents; Camden is the 7th-largest of 323 places in New Jersey (US Census Bureau, Vintage 2023).
• Population trend: A drop of about 0.9% from 2020 to 2023.
• People gained or lost: about 675 fewer since the 2020 base.
• Size percentile: Camden's 71,100 people outrank roughly 98% of the places in New Jersey.
• Population density: 7,972 people per square mile on 8.9 square miles of land.
• Land area rank: Camden's 8.9 square miles rank 22nd of 323 places in New Jersey.
• Water area: Camden has 1.46 square miles of water, ranking 19th of 323 places in New Jersey.
• Share of state population: Camden's 71,100 residents are about 1.6% of New Jersey.
• National standing: Camden ranks 525th of 19,457 US places.
• Growth rank: Camden's 2020-to-2023 change ranks 243rd of 323 places in New Jersey.
• Against the state trend: Camden's 0.9% change compares with a New Jersey average of +0.3% across its 323 places.
• Density rank: Camden is the 41st most densely settled place in New Jersey.
• Density in context: Camden's 7,972 people per square mile sit against a New Jersey median of 3,448.
• Location: it lies at 39.9368, -75.1066 in the Census Gazetteer.
• Nearest larger cities: Philadelphia (5 mi); Wilmington (27 mi); Trenton (27 mi); Allentown (49 mi); Bethlehem (50 mi). Lenders licensed in the state serve Camden whether or not they keep a local branch.
• Nearest smaller towns: Woodlynne (2 mi); Collingswood (2 mi); Oaklyn (3 mi).
• Within a 50-mile radius: 212 smaller Census places.
• At 100 miles: 16 larger Census places fall inside that radius.

Lender access in Camden

Camden is a densely built community of about 71,100 people, with 5 larger places inside a 50-mile radius. Distance to a branch rarely matters for Camden's 71,100 residents: the application is online and the price follows your credit file. The nearest bigger place is Philadelphia, PA about 5 miles away.

The Camden borrowing checklist

Before you apply in Camden, a community of about 71,100, work through these steps:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
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. Verify the lender's New Jersey licence with the regulator listed on this page.
5. Decide the purpose and how you will repay it before approaching any lender.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Look for an origination fee or prepayment penalty in the written disclosure.

In Camden as elsewhere in New Jersey, the written terms — not the advertisement — are what count for its 71,100 residents.

Camden on the map

Camden's land area is about 8.9 square miles; a further 1.46 square miles is water. Spread across it are roughly 7,972 residents per square mile. For the state's biggest city, Newark, the distance is roughly 73 miles. Camden has 5 larger places within a 50-mile radius. By land area it ranks 22nd of 323 New Jersey places.

How personal loans work in Camden

In Camden, a mid-sized city of about 71,100, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Camden's rank of 7th in New Jersey: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Camden loan is knowable in advance — unlike a revolving card balance.

New Jersey consumer-lending rules applied in Camden

For the roughly 71,100 residents of Camden, the rules below are New Jersey's own; each row carries its publisher and retrieval date.