Personal loans in Maywood, NJ

Maywood shed about 0.6% of its population between the 2020 base and the 2023 estimate. The roughly 10,023 people who live in Maywood borrow under New Jersey rules; city hall sets no personal-loan rate. With an estimated 10,023 residents, Maywood is the 114th-largest of 323 places in New Jersey. The next larger city is Hackensack, NJ about 1 miles away. State law, not city hall, decides what a lender may do to Maywood's roughly 10,023 residents, and a state regulator supervises it. Verify the lender's New Jersey licence against the regulator named below before borrowing in Maywood.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Borrowing in Maywood: the local picture

Maywood is a small town; the notes below cover its population profile and the statewide rules that apply.

The Maywood borrowing checklist

Before you hand your details to a lender in Maywood, where the population is near 10,023:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  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. Confirm the New Jersey licence with the regulator named above before committing.
  5. Check that the monthly payment fits your budget next to your existing obligations.
  6. Weigh a shorter term's higher payment against the interest it saves.
  7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

The process is identical across New Jersey; what changes is your credit file, not the fact that Maywood holds 10,023 people.

The New Jersey lending rules that reach Maywood

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

RuleDetailSource
State lending regulatorNew 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
Small-loan / installment lender licensingConsumer 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
Criminal usury limits30% 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

The geography behind Maywood

Inside Maywood's boundaries lie about 1.3 square miles of land, with no significant water area recorded. That land carries about 7,788 people per square mile. Newark, the largest place in New Jersey, is about 14 miles from Maywood. Within 50 miles of Maywood there are 139 larger Census places. The 100-mile radius contains 188 larger places.

Lender access in Maywood

With about 7,788 residents per square mile, Maywood is densely built, and 139 larger Census places sit within 50 miles. Distance to a branch rarely matters for Maywood's 10,023 residents: the application is online and the price follows your credit file. The nearest larger city, Hackensack, NJ about 1 miles away.

Where Maywood sits in New Jersey

Set beside New Jersey's 323 places, Maywood ranks 114th by population and holds about 0.2% of the state total. Its 2020-to-2023 change ranks 202nd of 323 New Jersey places, putting it near the 37th percentile for growth. At about 7,788 people per square mile, Maywood is the 45th most densely settled place in New Jersey. The population moved by about 58 people between 2020 and 2023, a 0.6% shift.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Maywood if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Maywood is the same as anywhere in New Jersey.
What loan size can I expect in Maywood?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Maywood?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Maywood cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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