Woodbury Heights at a glance
- Population: 3,127 people, the 233rd-largest place among New Jersey's 323 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 3,099 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 0.9% higher than at the 2020 Census (US Census Bureau).
- Rank among New Jersey places: 233rd in population of 323 places (US Census Bureau).
- Size percentile: roughly 28% of New Jersey's places have fewer residents (US Census Bureau).
- Coordinates: 39.8133 / -75.1506, per the US Census Bureau Gazetteer.
- Nearest larger cities: Woodbury, NJ (2 mi); Westville, NJ (4 mi); Bellmawr, NJ (5 mi); Runnemede, NJ (5 mi); Paulsboro, NJ (5 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Wenonah, NJ (1 mi); National Park, NJ (4 mi); Brooklawn, NJ (5 mi) (US Census Bureau).
What a personal loan costs in Woodbury Heights
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.
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.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
New Jersey lending rules that apply in Woodbury Heights
The sourced rows below are the rules a licensed lender must follow when lending in New Jersey, and therefore in Woodbury Heights.
| 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 Woodbury Heights
Before you share your details with a lender in Woodbury Heights:
- 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.