Harvey Cedars at a glance
- Population: 397 (US Census Bureau, Vintage 2023 subcounty estimate), the 318th-largest of 323 places in New Jersey.
- 2020 Census base: 392 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: an increase of about 1.3% since the 2020 count (US Census Bureau).
- Rank among New Jersey places: 318th by size among 323 communities (US Census Bureau).
- Size percentile: it exceeds roughly 2% of New Jersey's Census places by population (US Census Bureau).
- Coordinates: 39.6996, -74.1415 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Surf City, NJ (3 mi); Barnegat Light, NJ (4 mi); Ship Bottom, NJ (4 mi); Beach Haven, NJ (10 mi); Tuckerton, NJ (13 mi) (US Census Bureau).
- Nearest smaller towns: Mantoloking, NJ (25 mi); Loch Arbour, NJ (38 mi); Tavistock, NJ (49 mi) (US Census Bureau).
What a personal loan costs in Harvey Cedars
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
New Jersey lending rules that apply in Harvey Cedars
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Harvey Cedars
Before you share your details with a lender in Harvey Cedars:
- 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.