Personal loans in Victory Gardens, NJ
Personal loans in Victory Gardens are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 1,583 population. About 1,583 people live in Victory Gardens, placing it 278th of 323 Census places in New Jersey.
Census figures show Victory Gardens holding steady across 2020 to 2023. Rate-shopping from Victory Gardens costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The closest larger place is Dover, NJ about 1 miles away. Consumer lending that reaches Victory Gardens's 1,583 residents is governed by New Jersey statute; no city ordinance changes it.
Victory Gardens: population, trend and location
Victory Gardens is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: an estimated 1,583 residents, 278th of 323 places in New Jersey (Census Vintage 2023 subcounty estimate).
- Population trend: Stable from the 2020 base to 2023.
- Size percentile: roughly 14% of New Jersey's places have fewer residents than Victory Gardens's 1,583.
- Population density: 10,917 people per square mile on 0.1 square miles of land.
- Land area: Victory Gardens covers 0.1 square miles, the 321st-largest area among New Jersey's 323 places.
- Share of New Jersey: Victory Gardens holds about 0.0% of the state's population, some 1,583 people.
- National rank: Victory Gardens is the 8,501st most populous of the 19,457 Census places covered here.
- Growth rank: Victory Gardens's 2020-to-2023 change ranks 155th of 323 places in New Jersey.
- Versus New Jersey: the state average change is +0.3%, while Victory Gardens moved 0.0%.
- Density rank: Victory Gardens places 28th among New Jersey's places by people per square mile.
- Against the state median: Victory Gardens runs about 10,917 residents per square mile, where the New Jersey median is 3,448.
- Location: latitude 40.8761, longitude -74.5435 (Census Gazetteer).
- Nearest larger cities: Dover (1 mi); Rockaway (2 mi); Wharton (2 mi); Morris Plains (4 mi); Mountain Lakes (5 mi). Living near a larger metro rarely changes what is available in Victory Gardens.
- Nearest smaller towns: Andover (13 mi); Far Hills (13 mi); Califon (19 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 49 of them.
- At 100 miles: 610 larger Census places fall inside that radius.
Victory Gardens's place among New Jersey's 323 places
Set beside New Jersey's 323 places, Victory Gardens ranks 278th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Victory Gardens stands 155th among New Jersey's 323 places — roughly the 52th percentile. At about 10,917 people per square mile, Victory Gardens is the 28th most densely settled place in New Jersey. Within 50 miles sit 49 smaller Census places, alongside the 309 that are larger.
Where Victory Gardens sits
The Census Gazetteer records about 0.1 square miles of land within Victory Gardens, with no significant water area listed. The resulting density is about 10,917 people per square mile. The state's population centre of gravity, Newark, is roughly 22 miles away. Counting outward 50 miles, 309 larger communities surround Victory Gardens. The 100-mile radius contains 610 larger places.
The state rulebook for Victory Gardens
Every row below records a New Jersey rule, its publisher and its retrieval date — the same rules a Victory Gardens lender must follow.
| 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 |
| Small-loan / installment lender licensing | Consumer 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 limits | 30% 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 |
How lenders reach Victory Gardens
Victory Gardens is densely built, with about 10,917 people per square mile and 309 larger places within 50 miles. Lenders licensed in New Jersey reach Victory Gardens's 1,583 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Dover, NJ about 1 miles away.
How personal loans work in Victory Gardens
Victory Gardens is a small community of about 1,583 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Victory Gardens. The term you choose in Victory Gardens decides the split between a comfortable payment and the total interest you pay.
Common questions
What are my options in Victory Gardens if my credit is poor?
What loan size can I expect in Victory Gardens?
Do I have to pledge anything to borrow in Victory Gardens?
Does comparing loans in Victory Gardens cost me credit score points?
Nearby places
- Dover, NJ — population 18,435
- Rockaway, NJ — population 6,596
- Wharton, NJ — population 7,346
- Morris Plains, NJ — population 6,538
- Mountain Lakes, NJ — population 4,608
- Morristown, NJ — population 20,571
- Mount Arlington, NJ — population 5,931
- Mendham, NJ — population 4,970