Personal loans in Chester, NJ

What the Census records for Chester

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: about 1,678 people live here, which puts Chester 275th of 323 Census places in New Jersey (Vintage 2023).
• Population trend: A gain of roughly 0.3% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a gain of about 5 residents.
• Size percentile: about 15% of New Jersey's Census places are smaller than Chester.
• Population density: about 1,053 people per square mile (Census land area 1.6 sq mi).
• Land area rank: Chester's 1.6 square miles rank 187th of 323 places in New Jersey.
• Share of New Jersey: Chester holds about 0.0% of the state's population, some 1,678 people.
• National rank: Chester sits 8,290th by population among the 19,457 places in this dataset.
• Growth rank: Chester's 2020-to-2023 change ranks 120th of 323 places in New Jersey.
• State comparison: New Jersey's places average +0.3% for 2020-to-2023, against Chester's 0.3%.
• Density rank: Chester places 279th among New Jersey's places by people per square mile.
• Density in context: Chester's 1,053 people per square mile sit against a New Jersey median of 3,448.
• Location: 40.7906 / -74.6901, per the US Census Bureau Gazetteer.
• Nearest larger cities: Mendham (5 mi); Peapack and Gladstone (6 mi); Bernardsville (7 mi); Netcong (8 mi); Hackettstown (8 mi). Lenders licensed in the state serve Chester whether or not they keep a local branch.
• Smaller places nearby: Far Hills (8 mi); Califon (9 mi); Victory Gardens (10 mi).
• Smaller places within 50 miles: 44 of them.
• Within 100 miles: 625 places are larger than Chester.

Chester in state context

Against New Jersey's other places, Chester accounts for about 0.0% of the state's population and ranks 275th of 323 by size. On the 2020-to-2023 trend, Chester stands 120th among New Jersey's 323 places — roughly the 63th percentile. Its roughly 1,053 residents per square mile place it 279th among New Jersey's places. In land area, Chester ranks 187th among New Jersey's 323 places.

A pre-application checklist for Chester

Before you hand your details to a lender in Chester, where the population is near 1,678:

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. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Make sure the new payment leaves room in a budget you already keep.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

None of these steps is Chester-specific: the same New Jersey licensing and disclosure rules reach all 1,678 residents.

The New Jersey lending rules that reach Chester

For the roughly 1,678 residents of Chester, the rules below are New Jersey's own; each row carries its publisher and retrieval date.

The geography behind Chester

Chester's land area is roughly 1.6 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,053 people per square mile. Newark, the largest place in New Jersey, is about 27 miles from Chester. Chester has 280 larger places within a 50-mile radius. Within the same 50 miles lie 44 smaller Census places.

How a Chester personal loan is priced

In Chester, a small community of about 1,678, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Chester can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Chester loan but raises total interest, so the smallest payment is not the cheapest loan.