Estell Manor at a glance
- Population: 1,679 residents, the 274th-largest of 323 places in New Jersey (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 1,667 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 0.7% higher than at the 2020 Census (US Census Bureau).
- Rank among New Jersey places: 274th largest of 323 (US Census Bureau).
- Size percentile: roughly 15% of New Jersey's places have fewer residents (US Census Bureau).
- Coordinates: 39.3539, -74.7751 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Woodbine, NJ (9 mi); Somers Point, NJ (9 mi); Linwood, NJ (11 mi); Ocean City, NJ (11 mi); Northfield, NJ (12 mi) (Census populations, approximate straight-line distance).
- Smaller towns nearby: Corbin City, NJ (5 mi); Longport, NJ (14 mi); Avalon, NJ (19 mi) (US Census Bureau).
What a personal loan costs in Estell Manor
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
New Jersey lending rules that apply in Estell Manor
The table lists the New Jersey rules that apply to a loan made in Estell Manor, each with the regulator that published 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 |
| 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 |
| 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 |
| 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 |
How to compare offers in Estell Manor
Before you commit to a personal loan in Estell Manor, work through these steps:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in New Jersey using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.