Personal loans in Harrington Park, NJ
Harrington Park is one of 323 Census places in New Jersey; its 4,990 residents put it at 193rd. For a borrower among the roughly 4,990 residents of Harrington Park, a personal loan is a tool whose cost turns on the terms, not the address. Use the calculator on this page to price an amount and term before you commit in Harrington Park. A single loan can carry different costs on either side of a state line, and Harrington Park sits on the New Jersey side of that line. A 2020-to-2023 comparison shows Harrington Park up by about 5.2%. A larger market lies at Norwood, NJ about 2 miles away.
What the Census records for Harrington Park
Harrington Park is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 4,990 — Harrington Park ranks 193rd of 323 communities in New Jersey (US Census Bureau, Vintage 2023).
- Population trend: A rise of about 5.2% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 247 residents.
- Size percentile: Harrington Park's 4,990 people outrank roughly 40% of the places in New Jersey.
- Land and density: 1.8 square miles of land carry roughly 2,703 residents per square mile.
- Land area rank: Harrington Park's 1.8 square miles rank 170th of 323 places in New Jersey.
- Water area rank: Harrington Park ranks 98th among New Jersey's 323 places, with 0.22 sq mi.
- Within New Jersey: about 0.1% of the state's population lives in Harrington Park.
- National rank: Harrington Park is 4,829th of 19,457 places nationwide.
- Growth in New Jersey: Harrington Park stands 15th by percentage change from 2020 to 2023, among 323 places.
- Versus New Jersey: the state average change is +0.3%, while Harrington Park moved 5.2%.
- Density in New Jersey: Harrington Park ranks 191st by people per square mile.
- Density vs New Jersey: Harrington Park's 2,703 people per square mile compare with a state median of 3,448.
- Location: the Census Gazetteer records it at 40.9917, -73.9802.
- Nearest larger cities: Norwood (2 mi); Closter (2 mi); Old Tappan (2 mi); Emerson (3 mi); Westwood (3 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller places nearby: Haworth (2 mi); Northvale (2 mi); Rockleigh (2 mi).
- Smaller neighbours: 118 places smaller than Harrington Park sit within 50 miles.
- Larger places within 100 miles: 323.
Land, water and location for Harrington Park
Inside Harrington Park's boundaries lie roughly 1.8 square miles of land and 0.22 square miles of water. That land carries about 2,703 people per square mile. The largest place in New Jersey, Newark, lies about 21 miles away. Harrington Park has 231 larger places within a 50-mile radius. Within the same 50 miles lie 118 smaller Census places.
Borrowing reach in Harrington Park
At roughly 2,703 people per square mile, Harrington Park is fairly dense; 231 larger places lie within 50 miles. What is available to Harrington Park's 4,990 borrowers is set by New Jersey licensing and your own credit, not by how many branches are nearby. The nearest larger city, Norwood, NJ about 2 miles away.
How a Harrington Park personal loan is priced
Most loans made to Harrington Park's 4,990 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Harrington Park. A longer term lowers the monthly payment on a Harrington Park loan but raises total interest, so the smallest payment is not the cheapest loan.
Where Harrington Park sits in New Jersey
Against New Jersey's other places, Harrington Park accounts for about 0.1% of the state's population and ranks 193rd of 323 by size. For population change between 2020 and 2023, Harrington Park ranks 15th of 323 in New Jersey (about the 95th percentile). By density, at about 2,703 people per square mile, it ranks 191st in New Jersey. The population moved by about 247 people between 2020 and 2023, a 5.2% shift.
New Jersey rules behind a Harrington Park personal loan
The rows below set out what a licensed lender must follow in New Jersey, and so for Harrington Park's roughly 4,990 residents.
| 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 |
| Criminal usury limits | 30% for non-corporate borrowers; 50% for corporations Source says: "the criminal usury limitation is 50 percent for corporations and 30 percent for non-corporate borrowers" | New Jersey Department of Banking and Insurance as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | Civil usury: rates above 6% (agreement not in writing) or above 16% (written contract specifying the rate) Source says: "the civil usury rate is any interest rate greater than 6 percent for an agreement that is not in writing" | New Jersey Department of Banking and Insurance as of 2026-09-16 |
Common questions
What are my options in Harrington Park if my credit is poor?
What loan size can I expect in Harrington Park?
Do I have to pledge anything to borrow in Harrington Park?
Does comparing loans in Harrington Park cost me credit score points?
Nearby places
- Closter, NJ — population 8,544
- Norwood, NJ — population 5,729
- Old Tappan, NJ — population 6,074
- Haworth, NJ — population 3,322
- Northvale, NJ — population 4,821
- Demarest, NJ — population 4,846
- Emerson, NJ — population 7,251
- Rockleigh, NJ — population 405