Point Pleasant Beach at a glance
- Population: the Census estimates 4,897 residents, ranking 197th of 323 places in New Jersey (Vintage 2023).
- 2020 Census base: 4,763 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a gain of roughly 2.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among New Jersey places: 197th in population of 323 places (US Census Bureau).
- Size percentile: it exceeds roughly 39% of New Jersey's Census places by population (US Census Bureau).
- Coordinates: latitude 40.0926, longitude -74.0452 (US Census Bureau Gazetteer).
- Nearest larger cities: Brielle, NJ (1 mi); Manasquan, NJ (1 mi); Point Pleasant, NJ (2 mi); Belmar, NJ (6 mi); Asbury Park, NJ (9 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Bay Head, NJ (2 mi); Mantoloking, NJ (2 mi); Sea Girt, NJ (3 mi), per US Census Bureau estimates.
What a personal loan costs in Point Pleasant Beach
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
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.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
New Jersey lending rules that apply in Point Pleasant Beach
Each row below is a New Jersey rule with its publisher and the date it was retrieved.
| 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 Point Pleasant Beach
The steps below are worth completing first when you borrow in Point Pleasant Beach:
- 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.