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Personal loans in Mount Ephraim, NJ

In Mount Ephraim, a personal loan gives you a lump sum repaid over a set term, with the lender setting your APR from your credit, income and debts. Census data place Mount Ephraim's population near 4,654, the 203rd-largest among New Jersey's 323 Census places. The table below carries the New Jersey rate caps and licensing rules that apply to a personal loan taken out here.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Mount Ephraim at a glance

  • Population: 4,654 residents, the 203rd-largest of 323 places in New Jersey (US Census Bureau, Vintage 2023).
  • 2020 Census base: 4,657 residents (US Census Bureau, 2020 Census).
  • 2020 to 2023 change: roughly 0.1% fewer residents than at the 2020 Census (US Census Bureau).
  • Rank among New Jersey places: 203rd by size among 323 communities (US Census Bureau).
  • Size percentile: larger than about 37% of the Census places in New Jersey (US Census Bureau).
  • Coordinates: 39.8795, -75.0918 (Census Gazetteer, US Census Bureau).
  • Nearest larger cities (within 120 miles): Bellmawr, NJ (1 mi); Audubon, NJ (1 mi); Haddon Heights, NJ (1 mi); Gloucester City, NJ (2 mi); Runnemede, NJ (2 mi) (US Census Bureau populations).
  • Smaller places nearby: Audubon Park, NJ (1 mi); Brooklawn, NJ (2 mi); Oaklyn, NJ (2 mi), per US Census Bureau estimates.

What a personal loan costs in Mount Ephraim

A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.

Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.

A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.

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 Mount Ephraim

The New Jersey rate caps and licensing rules that reach Mount Ephraim are listed below, each with its source and retrieval date.

RuleDetailSource
State lending regulatorNew 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 limits30% 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 statusUnlicensed 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 licensingConsumer 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 Mount Ephraim

Before you commit to a personal loan in Mount Ephraim, work through these steps:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in New Jersey using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Mount Ephraim?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Mount Ephraim are the same as elsewhere in New Jersey.
How much can I borrow with a personal loan in Mount Ephraim?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Mount Ephraim require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Mount Ephraim hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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