Ridgefield Park at a glance
- Population: a Census-estimated 13,135, placing it 79th among New Jersey's 323 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 13,229 (US Census Bureau).
- 2020 to 2023 change: down about 0.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among New Jersey places: 79th of 323 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 76% of the places in New Jersey (US Census Bureau).
- Coordinates: 40.8547 latitude, -74.0199 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Palisades Park, NJ (1 mi); Fairview, NJ (2 mi); Fort Lee, NJ (3 mi); Hackensack, NJ (3 mi); Cliffside Park, NJ (3 mi) (US Census Bureau).
- Smaller places close by: Little Ferry, NJ (1 mi); Bogota, NJ (1 mi); Ridgefield, NJ (2 mi) (US Census Bureau).
What a personal loan costs in Ridgefield 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.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
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 Ridgefield Park
The table lists the New Jersey rules that apply to a loan made in Ridgefield Park, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Ridgefield Park
Before you share your details with a lender in Ridgefield 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.