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.
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.
- Population: the Census counts 3,940 residents in Oaklyn (Vintage 2023 subcounty estimate), the 219th-largest figure among New Jersey's 323 places.
- Population trend: A rise of about 0.2% from 2020 to 2023.
- Net change: roughly 8 more people than the 2020 Census counted.
- Size percentile: roughly 32% of New Jersey's places have fewer residents than Oaklyn's 3,940.
- Population density: about 6,284 people per square mile across 0.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Oaklyn covers 0.6 square miles, the 287th-largest area among New Jersey's 323 places.
- Water area rank: Oaklyn ranks 158th among New Jersey's 323 places, with 0.07 sq mi.
- Share of New Jersey: Oaklyn holds about 0.1% of the state's population, some 3,940 people.
- Nationally: Oaklyn is the 5,482nd-largest of 19,457 Census places in the dataset.
- Growth rank: Oaklyn's 2020-to-2023 change ranks 126th of 323 places in New Jersey.
- Versus New Jersey: the state average change is +0.3%, while Oaklyn moved 0.2%.
- Density in New Jersey: Oaklyn ranks 71st by people per square mile.
- Against the state median: Oaklyn runs about 6,284 residents per square mile, where the New Jersey median is 3,448.
- Location: 39.9023, -75.0806 (Census Gazetteer coordinates).
- Nearest larger cities: Collingswood (1 mi); Audubon (1 mi); Mount Ephraim (2 mi); Haddon Heights (2 mi); Gloucester City (2 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller places nearby: Audubon Park (1 mi); Woodlynne (1 mi); Brooklawn (3 mi).
- Smaller places within 50 miles: 107 of them.
- At 100 miles: 397 larger Census places fall inside that radius.
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.
| 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 |
| 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 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 |
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:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Use the loan calculator to test the payment on your intended amount and term.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Verify the lender's New Jersey licence with the regulator listed on this page.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Borrow only what the purpose requires, not the maximum you are offered.
- 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.
Common questions
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Does comparing loans in Oaklyn cost me credit score points?
Nearby places
- Audubon Park, NJ — population 990
- Collingswood, NJ — population 14,204
- Audubon, NJ — population 8,716
- Woodlynne, NJ — population 2,909
- Mount Ephraim, NJ — population 4,654
- Haddon Heights, NJ — population 7,511
- Gloucester City, NJ — population 11,507
- Bellmawr, NJ — population 11,724