Personal loans in Fair Haven, NJ

Fair Haven counts about 6,109 people, and what is genuinely local about borrowing here is limited — New Jersey law does the governing. From the 2020 Census base to the 2023 estimate, the population declined by about 2.6%. Pull your credit reports and line up at least three offers before you apply from Fair Haven. To lend to Fair Haven's 6,109 residents, a company must hold a New Jersey licence, and each sourced row below names the regulator behind it. The next larger city is Red Bank, NJ about 2 miles away.

Where Fair Haven stands

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

• Population: 6,109 — Fair Haven ranks 175th of 323 communities in New Jersey (US Census Bureau, Vintage 2023).
• Population trend: Roughly 2.6% fewer residents than the 2020 Census counted.
• Change in people: the 2020-to-2023 comparison is a loss of about 160 residents.
• Size percentile: roughly 46% of New Jersey places rank below Fair Haven.
• Population density: about 3,835 people per square mile (Census land area 1.6 sq mi).
• Land area rank: Fair Haven's 1.6 square miles rank 186th of 323 places in New Jersey.
• Water area rank: Fair Haven ranks 65th among New Jersey's 323 places, with 0.52 sq mi.
• State share: roughly 0.1% of New Jersey's residents live in Fair Haven (6,109 people).
• Nationally: Fair Haven is the 4,315th-largest of 19,457 Census places in the dataset.
• Growth rank: Fair Haven's 2020-to-2023 change ranks 310th of 323 places in New Jersey.
• Against the state trend: Fair Haven's 2.6% change compares with a New Jersey average of +0.3% across its 323 places.
• Density rank: Fair Haven places 139th among New Jersey's places by people per square mile.
• Against the state median: Fair Haven runs about 3,835 residents per square mile, where the New Jersey median is 3,448.
• Location: mapped by the US Census Bureau at 40.3619, -74.0388.
• Nearest larger cities: Red Bank (2 mi); Rumson (2 mi); Oceanport (3 mi); Eatontown (5 mi); West Long Branch (5 mi). Larger metros often have more branches, but online lenders reach Fair Haven on the same terms.
• Smaller places nearby: Little Silver (2 mi); Shrewsbury (3 mi); Monmouth Beach (3 mi).
• Within a 50-mile radius: 141 smaller Census places.
• At 100 miles: 305 larger Census places fall inside that radius.

The geography behind Fair Haven

Fair Haven covers about 1.6 square miles of land, with 0.52 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 3,835 residents per square mile. Newark, the largest place in New Jersey, is about 26 miles from Fair Haven. A 50-mile radius around Fair Haven takes in 185 places that are larger. Within the same 50 miles lie 141 smaller Census places.

How Fair Haven compares across New Jersey

Set beside New Jersey's 323 places, Fair Haven ranks 175th by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, Fair Haven stands 310th among New Jersey's 323 places — roughly the 4th percentile. At about 3,835 people per square mile, Fair Haven is the 139th most densely settled place in New Jersey. Between 2020 and 2023 the count changed by roughly 160 residents.

The state rulebook for Fair Haven

When New Jersey does not publish a figure, the row links to the source instead of inventing a number; Fair Haven is bound by the same rules.

How personal loans work in Fair Haven

With roughly 6,109 residents, Fair Haven is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Fair Haven's 6,109 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Fair Haven loan but raises total interest, so the smallest payment is not the cheapest loan.

What to do before borrowing in Fair Haven

A sensible order of operations for a loan in Fair Haven, home to about 6,109 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Look the lender up in the New Jersey regulator's licence records before you sign.
5. Read the disclosure for an origination fee and any prepayment penalty before signing.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Pick the shortest term whose payment you can comfortably afford.

None of these steps is Fair Haven-specific: the same New Jersey licensing and disclosure rules reach all 6,109 residents.