Personal loans in Point Pleasant, NJ

Point Pleasant added about 2.5% to its population between the 2020 base and the 2023 estimate. If debt is already a strain, a nonprofit credit counsellor can help Point Pleasant residents before they take on more. The closest larger place is Long Branch, NJ about 16 miles away. Lenders active in Point Pleasant report to a New Jersey supervisor, identified in the sourced rows below.

The Point Pleasant data picture

Here is the sourced Census picture for Point Pleasant, plus the New Jersey lending rules that apply to a loan taken out here.

• Population: 19,429 — Point Pleasant ranks 52nd of 323 communities in New Jersey (US Census Bureau, Vintage 2023).
• Population trend: Up about 2.5% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 478 more since the 2020 base.
• Size percentile: about 84% of New Jersey's Census places are smaller than Point Pleasant.
• Density: the Census land area of 3.5 sq mi holds about 5,565 people per square mile.
• By land area: Point Pleasant ranks 86th among New Jersey's 323 places, at 3.5 sq mi.
• Water area: Point Pleasant has 0.67 square miles of water, ranking 45th of 323 places in New Jersey.
• State population share: Point Pleasant accounts for about 0.4% of everyone in New Jersey.
• National rank: Point Pleasant is 1,934th of 19,457 places nationwide.
• Growth rank: Point Pleasant's 2020-to-2023 change ranks 33rd of 323 places in New Jersey.
• Against the state trend: Point Pleasant's 2.5% change compares with a New Jersey average of +0.3% across its 323 places.
• Density in New Jersey: Point Pleasant ranks 83rd by people per square mile.
• Density vs New Jersey: Point Pleasant's 5,565 people per square mile compare with a state median of 3,448.
• Location: it lies at 40.0777, -74.0699 in the Census Gazetteer.
• Nearest larger cities: Long Branch (16 mi); Sayreville (30 mi); Perth Amboy (32 mi); New Brunswick (34 mi); Carteret (36 mi). Lenders licensed in the state serve Point Pleasant whether or not they keep a local branch.
• Smaller places close by: Bay Head (1 mi); Point Pleasant Beach (2 mi); Mantoloking (2 mi).
• Within a 50-mile radius: 123 smaller Census places.
• Within 100 miles: 94 places are larger than Point Pleasant.

How New Jersey law applies in Point Pleasant

For the roughly 19,429 residents of Point Pleasant, the rules below are New Jersey's own; each row carries its publisher and retrieval date.

Where Point Pleasant sits

Inside Point Pleasant's boundaries lie roughly 3.5 square miles of land and 0.67 square miles of water. That land carries about 5,565 people per square mile. The largest place in New Jersey, Newark, lies about 45 miles away. Within 50 miles of Point Pleasant there are 33 larger Census places. By land area it ranks 86th of 323 New Jersey places.

What is available to Point Pleasant borrowers

Point Pleasant is densely built, with about 5,565 people per square mile and 33 larger places within 50 miles. Lenders licensed in New Jersey reach Point Pleasant's 19,429 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Long Branch, NJ about 16 miles away.

A pre-application checklist for Point Pleasant

Complete these steps first when you borrow in Point Pleasant (19,429 residents):

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
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. Look for an origination fee or prepayment penalty in the written disclosure.
6. Make sure the new payment leaves room in a budget you already keep.
7. Weigh a shorter term's higher payment against the interest it saves.

None of these steps is Point Pleasant-specific: the same New Jersey licensing and disclosure rules reach all 19,429 residents.

The anatomy of a Point Pleasant personal loan

Point Pleasant is a small town of about 19,429 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Point Pleasant lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Point Pleasant loan but raises total interest, so the smallest payment is not the cheapest loan.