Personal loans in Farmingdale, NJ

The Census estimates 1,491 residents in Farmingdale, which ranks it 280th of 323 places in New Jersey. The next larger city is Tinton Falls, NJ about 6 miles away. To lend to Farmingdale's 1,491 residents, a company must hold a New Jersey licence, and each sourced row below names the regulator behind it. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Farmingdale loan.

Where Farmingdale stands

Read the local figures below as context; read the sourced New Jersey table as the rulebook a lender here must follow.

• Population: about 1,491, ranked 280th of 323 places in New Jersey (Census Vintage 2023 subcounty estimate).
• Population trend: A decline of about 0.9% across the 2020-to-2023 comparison.
• People gained or lost: about 14 fewer since the 2020 base.
• Size percentile: roughly 13% of New Jersey places rank below Farmingdale.
• Density: roughly 2,867 residents per square mile, spread over 0.5 sq mi of land.
• By land area: Farmingdale ranks 302nd among New Jersey's 323 places, at 0.5 sq mi.
• Within New Jersey: about 0.0% of the state's population lives in Farmingdale.
• National rank: Farmingdale is 8,705th of 19,457 places nationwide.
• Growth in New Jersey: Farmingdale stands 242nd by percentage change from 2020 to 2023, among 323 places.
• Versus New Jersey: the state average change is +0.3%, while Farmingdale moved 0.9%.
• Density rank: Farmingdale places 184th among New Jersey's places by people per square mile.
• Against the state median: Farmingdale runs about 2,867 residents per square mile, where the New Jersey median is 3,448.
• Location: it lies at 40.1984, -74.1701 in the Census Gazetteer.
• Nearest larger cities: Tinton Falls (6 mi); Freehold (7 mi); Neptune City (7 mi); Spring Lake Heights (7 mi); Belmar (8 mi). Larger metros often have more branches, but online lenders reach Farmingdale on the same terms.
• Smaller towns nearby: Interlaken (9 mi); Allenhurst (9 mi); Loch Arbour (9 mi).
• Smaller neighbours: 38 places smaller than Farmingdale sit within 50 miles.
• At 100 miles: 556 larger Census places fall inside that radius.

What to do before borrowing in Farmingdale

For Farmingdale's roughly 1,491 residents, these are the steps that most influence the offer:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Test your amount and term in the personal loan calculator first.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Make sure the lender appears in the New Jersey regulator's licence list.
5. Test the payment against your current bills before you commit.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Borrow only what the purpose requires, not the maximum you are offered.

None of these steps is Farmingdale-specific: the same New Jersey licensing and disclosure rules reach all 1,491 residents.

Which New Jersey laws govern a loan in Farmingdale

Every row below records a New Jersey rule, its publisher and its retrieval date — the same rules a Farmingdale lender must follow.

What a Farmingdale borrower is actually offered

A Farmingdale personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,491 residents. Two numbers drive a Farmingdale 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 Farmingdale loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Farmingdale sits in New Jersey

Set beside New Jersey's 323 places, Farmingdale ranks 280th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 242nd of 323 New Jersey places, putting it near the 25th percentile for growth. Its roughly 2,867 residents per square mile place it 184th among New Jersey's places. In land area, Farmingdale ranks 302nd among New Jersey's 323 places.

Land, water and location for Farmingdale

Farmingdale covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 2,867 people per square mile. Newark, the largest place in New Jersey, is about 36 miles from Farmingdale. Counting outward 50 miles, 198 larger communities surround Farmingdale. The 100-mile radius contains 556 larger places.