Hackettstown at a glance
- Population: roughly 10,125 people; 109th of 323 places in New Jersey (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 10,248 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: down roughly 1.2% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among New Jersey places: 109th-largest of 323 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 66% of places in New Jersey rank below it by population (US Census Bureau).
- Coordinates: 40.8537 latitude, -74.8249 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Hopatcong, NJ (11 mi); Dover, NJ (14 mi); Morristown, NJ (19 mi); Phillipsburg, NJ (22 mi); Madison, NJ (22 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Netcong, NJ (7 mi); Stanhope, NJ (8 mi); Chester, NJ (8 mi) — US Census Bureau populations.
What a personal loan costs in Hackettstown
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
New Jersey lending rules that apply in Hackettstown
The sourced rows below are the rules a licensed lender must follow when lending in New Jersey, and therefore in Hackettstown.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Hackettstown
Run through this list before signing anything in Hackettstown:
- 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.