Personal loans in Glen Gardner, NJ
Glen Gardner is one of 323 Census places in New Jersey; its 1,682 residents put it at 273rd. If you are weighing a personal loan in Glen Gardner, start from the payment you can carry; its 1,682 residents face the same statewide rules.
Work out your debt-to-income ratio first; lenders weigh it heavily, and Glen Gardner's 1,682 residents are no exception. Consumer lending that reaches Glen Gardner's 1,682 residents is governed by New Jersey statute; no city ordinance changes it. Glen Gardner gained roughly 0.4% in population across the 2020-to-2023 comparison. For a bigger market, look to High Bridge, NJ about 3 miles away.
Glen Gardner: population, trend and location
The figures below are Glen Gardner's own — Census population, land area and coordinates — followed by the New Jersey rules.
- Population: about 1,682, ranked 273rd of 323 places in New Jersey (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 0.4% more residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a gain of about 6 residents.
- Size percentile: roughly 15% of New Jersey's places have fewer residents than Glen Gardner's 1,682.
- Land and density: 1.5 square miles of land carry roughly 1,087 residents per square mile.
- Land area: Glen Gardner covers 1.5 square miles, the 194th-largest area among New Jersey's 323 places.
- Share of New Jersey: Glen Gardner holds about 0.0% of the state's population, some 1,682 people.
- National rank: Glen Gardner is 8,276th of 19,457 places nationwide.
- Growth in New Jersey: Glen Gardner stands 115th by percentage change from 2020 to 2023, among 323 places.
- State comparison: New Jersey's places average +0.3% for 2020-to-2023, against Glen Gardner's 0.4%.
- Density rank: Glen Gardner places 276th among New Jersey's places by people per square mile.
- Against the state median: Glen Gardner runs about 1,087 residents per square mile, where the New Jersey median is 3,448.
- Location: mapped by the US Census Bureau at 40.7004, -74.9395.
- Nearest larger cities: High Bridge (3 mi); Clinton (5 mi); Washington (5 mi); Belvidere (11 mi); Alpha (12 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller towns: Hampton (2 mi); Califon (6 mi); Lebanon (7 mi).
- Smaller neighbours: 49 places smaller than Glen Gardner sit within 50 miles.
- At 100 miles: 633 larger Census places fall inside that radius.
The New Jersey lending rules that reach Glen Gardner
These are New Jersey's sourced lending facts as they reach Glen Gardner's 1,682 residents; the state has no city-level rate rule.
| 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 |
How Glen Gardner compares across New Jersey
Among New Jersey's 323 places, Glen Gardner sits at 273rd for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Glen Gardner ranks 115th of 323 in New Jersey (about the 64th percentile). At about 1,087 people per square mile, Glen Gardner is the 276th most densely settled place in New Jersey. Between 2020 and 2023 the count changed by roughly 6 residents.
The geography behind Glen Gardner
Glen Gardner covers about 1.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 1,087 people per square mile. The largest place in New Jersey, Newark, lies about 40 miles away. A 50-mile radius around Glen Gardner takes in 223 places that are larger. Within the same 50 miles lie 49 smaller Census places.
How personal loans work in Glen Gardner
Most loans made to Glen Gardner's 1,682 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Glen Gardner's rank of 273rd in New Jersey: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Glen Gardner loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
What is available to Glen Gardner borrowers
At roughly 1,087 people per square mile, Glen Gardner is moderately settled; 223 larger places lie within 50 miles. Lenders licensed in New Jersey reach Glen Gardner's 1,682 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is High Bridge, NJ about 3 miles away.
Common questions
What are my options in Glen Gardner if my credit is poor?
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Does comparing loans in Glen Gardner cost me credit score points?
Nearby places
- Hampton, NJ — population 1,443
- High Bridge, NJ — population 3,592
- Clinton, NJ — population 2,781
- Washington, NJ — population 7,335
- Califon, NJ — population 1,013
- Lebanon, NJ — population 1,670
- Bloomsbury, NJ — population 796
- Belvidere, NJ — population 2,536