Personal loans in Oaklyn, NJ

The roughly 3,940 people who live in Oaklyn borrow under New Jersey rules; city hall sets no personal-loan rate. The 2020 count to the 2023 estimate shows about 0.2% growth in Oaklyn.

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.

The Census counts 3,940 people in Oaklyn, the 219th-largest figure among New Jersey's 323 places. Judge Oaklyn offers on total cost, not on how quickly the money arrives. For the 3,940 people in Oaklyn, New Jersey runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The nearest larger city is Collingswood, NJ about 1 miles away.

What the Census records for Oaklyn

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

The state rulebook for Oaklyn

Below are the New Jersey rules that apply to a loan made in Oaklyn, each with the regulator that issued it.

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
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
Payday lending statusUnlicensed 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

Lender access in Oaklyn

Oaklyn is a densely built community of about 3,940 people, with 106 larger places inside a 50-mile radius. Lenders licensed in New Jersey reach Oaklyn's 3,940 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Collingswood, NJ about 1 miles away.

Oaklyn on the map

Oaklyn's land area is about 0.6 square miles; a further 0.07 square miles is water. The resulting density is about 6,284 people per square mile. Newark, the largest place in New Jersey, is about 74 miles from Oaklyn. A 50-mile radius around Oaklyn takes in 106 places that are larger. Within the same 50 miles lie 107 smaller Census places.

A practical checklist for Oaklyn borrowers

Before you hand your details to a lender in Oaklyn, where the population is near 3,940:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Verify the lender's New Jersey licence with the regulator listed on this page.
  5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. Be clear on what the loan is for and how it gets repaid.

What differs between Oaklyn and the rest of New Jersey is not the process but the borrower's own file, among the 3,940 people here.

Where Oaklyn sits in New Jersey

Against New Jersey's other places, Oaklyn accounts for about 0.1% of the state's population and ranks 219th of 323 by size. On the 2020-to-2023 trend, Oaklyn stands 126th among New Jersey's 323 places — roughly the 61th percentile. Its roughly 6,284 residents per square mile place it 71st among New Jersey's places. Within 50 miles sit 107 smaller Census places, alongside the 106 that are larger.

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 Oaklyn 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 Oaklyn is the same as anywhere in New Jersey.
What loan size can I expect in Oaklyn?
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 Oaklyn?
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 Oaklyn 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.

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