Harrington Park at a glance
- Population: a Census-estimated 4,990, placing it 193rd among New Jersey's 323 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 4,743 residents here (US Census Bureau).
- 2020 to 2023 change: an increase of about 5.2% since the 2020 count (US Census Bureau).
- Rank among New Jersey places: 193rd largest of 323 (US Census Bureau).
- Size percentile: roughly 40% of New Jersey's places have fewer residents (US Census Bureau).
- Coordinates: 40.9917, -73.9802 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Norwood, NJ (2 mi); Closter, NJ (2 mi); Old Tappan, NJ (2 mi); Emerson, NJ (3 mi); Westwood, NJ (3 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Haworth, NJ (2 mi); Northvale, NJ (2 mi); Rockleigh, NJ (2 mi), each a US Census place.
What a personal loan costs in Harrington Park
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Harrington Park
Read the table as the compliance picture for a lender serving Harrington Park: label, sourced figure, publisher and date.
| 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 Harrington Park
The order below is a sensible way to approach a loan in Harrington Park:
- 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.