Pemberton at a glance
- Population: 1,376 people, the 285th-largest place among New Jersey's 323 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 1,368 (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 0.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among New Jersey places: the 285th-largest of 323 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 12% of New Jersey places in population terms (US Census Bureau).
- Coordinates: latitude 39.9722, longitude -74.6866 (US Census Bureau Gazetteer).
- Nearest larger cities: Medford Lakes, NJ (11 mi); Burlington, NJ (11 mi); Bordentown, NJ (12 mi); Bristol, PA (13 mi); Tullytown, PA (13 mi), each a US Census place with its estimated population.
- Nearest smaller places: Wrightstown, NJ (5 mi); Fieldsboro, NJ (12 mi); Hulmeville, PA (17 mi) (US Census Bureau estimates).
What a personal loan costs in Pemberton
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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 longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
New Jersey lending rules that apply in Pemberton
The New Jersey rate caps and licensing rules that reach Pemberton are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Pemberton
Here is a short checklist for comparing personal loans in Pemberton:
- 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.