Personal loans in Ventnor City, NJ
Population in Ventnor City climbed about 0.2% over the three years from 2020 to 2023. Ventnor City ranks 123rd of 323 places in New Jersey, with a population near 9,226. Ventnor City is a small town of about 9,226 residents, and a personal loan taken out here is governed by New Jersey statute. Work out your debt-to-income ratio first; lenders weigh it heavily, and Ventnor City's 9,226 residents are no exception. For the 9,226 people in Ventnor City, New Jersey runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The closest larger place is Atlantic City, NJ about 3 miles away.
Ventnor City: population, trend and location
Only a few things actually differ by place — population, area, location, and the New Jersey rules a lender must follow — and they are below.
- Population: 9,226 residents; Ventnor City is the 123rd-largest of 323 places in New Jersey (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is positive, near 0.2%.
- Absolute change: 17 residents added between 2020 and 2023.
- Size percentile: bigger than about 62% of the places in New Jersey, with 9,226 residents in Ventnor City.
- Population density: about 4,719 people per square mile across 2.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Ventnor City ranks 161st among New Jersey's 323 places, at 2.0 sq mi.
- Water: Ventnor City holds about 1.57 square miles, the 16th-largest water area in New Jersey.
- State share: roughly 0.2% of New Jersey's residents live in Ventnor City (9,226 people).
- National rank: Ventnor City is 3,332nd of 19,457 places nationwide.
- Growth rank: Ventnor City ranks 129th among New Jersey's 323 places for the 2020-to-2023 change.
- Against the state trend: Ventnor City's 0.2% change compares with a New Jersey average of +0.3% across its 323 places.
- Density in New Jersey: Ventnor City ranks 97th by people per square mile.
- Against the state median: Ventnor City runs about 4,719 residents per square mile, where the New Jersey median is 3,448.
- Location: it lies at 39.3420, -74.4826 in the Census Gazetteer.
- Nearest larger cities: Atlantic City (3 mi); Pleasantville (4 mi); Somers Point (7 mi); Ocean City (8 mi); Hammonton (27 mi). Online lenders reach Ventnor City no matter how far the nearest branch is.
- Smaller communities close by: Margate City (2 mi); Longport (3 mi); Northfield (4 mi), each with its own Census population profile.
- Smaller neighbours: 64 places smaller than Ventnor City sit within 50 miles.
- Within 100 miles: 94 places are larger than Ventnor City.
Borrowing reach in Ventnor City
With about 4,719 residents per square mile, Ventnor City is fairly dense, and 15 larger Census places sit within 50 miles. Lenders licensed in New Jersey reach Ventnor City's 9,226 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Atlantic City, NJ about 3 miles away.
Land, water and location for Ventnor City
Inside Ventnor City's boundaries lie roughly 2.0 square miles of land and 1.57 square miles of water. With 9,226 residents, the land area yields roughly 4,719 people per square mile. Newark, the largest place in New Jersey, is about 97 miles from Ventnor City. A 50-mile radius around Ventnor City takes in 15 places that are larger. The 100-mile radius contains 94 larger places.
Ventnor City against the rest of New Jersey
Within New Jersey, Ventnor City holds roughly 0.2% of all residents, the 123rd-largest share among 323 places. On the 2020-to-2023 trend, Ventnor City stands 129th among New Jersey's 323 places — roughly the 60th percentile. By density, at about 4,719 people per square mile, it ranks 97th in New Jersey. By land area, its 2.0 square miles rank 161st of 323 places in New Jersey.
How personal loans work in Ventnor City
A Ventnor City personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 9,226 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Ventnor City. A longer term lowers the monthly payment on a Ventnor City loan but raises total interest, so the smallest payment is not the cheapest loan.
New Jersey consumer-lending rules applied in Ventnor City
When New Jersey does not publish a figure, the row links to the source instead of inventing a number; Ventnor City is bound by the same rules.
| 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 |
Common questions
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Nearby places
- Margate City, NJ — population 5,162
- Atlantic City, NJ — population 38,464
- Longport, NJ — population 878
- Pleasantville, NJ — population 20,613
- Northfield, NJ — population 8,426
- Absecon, NJ — population 9,130
- Linwood, NJ — population 6,957
- Somers Point, NJ — population 10,465