Personal loans in Atlantic Highlands, NJ
Rate ceilings, licensing requirements and product limits for Atlantic Highlands are all set at the New Jersey level. With 4,383 residents, Atlantic Highlands outranks about 36% of the communities in New Jersey. Atlantic Highlands counts about 4,383 people, and what is genuinely local about borrowing here is limited — New Jersey law does the governing. A 2020-to-2023 comparison shows Atlantic Highlands down by about 0.7%. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Atlantic Highlands loan. For a bigger market, look to Rumson, NJ about 4 miles away.
Where Atlantic Highlands stands
Two layers matter for a Atlantic Highlands borrower: the local population picture and New Jersey's consumer-lending statutes.
- Population: a Census-estimated 4,383, 208th among New Jersey's 323 places (Vintage 2023).
- Population trend: A drop of about 0.7% from 2020 to 2023.
- Absolute change: 30 residents lost between 2020 and 2023.
- Size percentile: Atlantic Highlands sits ahead of around 36% of New Jersey places, at 4,383 people.
- Population density: about 3,468 people per square mile across 1.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Atlantic Highlands covers 1.3 square miles, the 222nd-largest area among New Jersey's 323 places.
- Water: Atlantic Highlands holds about 3.30 square miles, the 7th-largest water area in New Jersey.
- Share of state population: Atlantic Highlands's 4,383 residents are about 0.1% of New Jersey.
- Nationally: Atlantic Highlands is the 5,213th-largest of 19,457 Census places in the dataset.
- Growth rank: Atlantic Highlands ranks 215th among New Jersey's 323 places for the 2020-to-2023 change.
- Versus New Jersey: the state average change is +0.3%, while Atlantic Highlands moved 0.7%.
- Density rank: Atlantic Highlands places 159th among New Jersey's places by people per square mile.
- Density in context: Atlantic Highlands's 3,468 people per square mile sit against a New Jersey median of 3,448.
- Location: mapped by the US Census Bureau at 40.4118, -74.0198.
- Nearest larger cities: Rumson (4 mi); Fair Haven (4 mi); Red Bank (5 mi); Little Silver (5 mi); Oceanport (7 mi). A branch is convenient; it is not what sets your APR.
- Smaller towns nearby: Highlands (2 mi); Sea Bright (4 mi); Monmouth Beach (6 mi).
- Within a 50-mile radius: 108 smaller Census places.
- Within 100 miles: 372 places are larger than Atlantic Highlands.
Land, water and location for Atlantic Highlands
Atlantic Highlands covers about 1.3 square miles of land, with 3.30 square miles of water inside its boundaries (Census Gazetteer). With 4,383 residents, the land area yields roughly 3,468 people per square mile. For the state's biggest city, Newark, the distance is roughly 23 miles. A 50-mile radius around Atlantic Highlands takes in 226 places that are larger. By land area it ranks 222nd of 323 New Jersey places.
What is available to Atlantic Highlands borrowers
At roughly 3,468 people per square mile, Atlantic Highlands is fairly dense; 226 larger places lie within 50 miles. Whether Atlantic Highlands has a local branch or not, a New Jersey-licensed lender can serve its 4,383 people online on the same terms. The nearest larger city, Rumson, NJ about 4 miles away.
Atlantic Highlands's place among New Jersey's 323 places
Set beside New Jersey's 323 places, Atlantic Highlands ranks 208th by population and holds about 0.1% of the state total. Its 2020-to-2023 change ranks 215th of 323 New Jersey places, putting it near the 33th percentile for growth. At about 3,468 people per square mile, Atlantic Highlands is the 159th most densely settled place in New Jersey. Within 50 miles sit 108 smaller Census places, alongside the 226 that are larger.
How New Jersey law applies in Atlantic Highlands
For the roughly 4,383 residents of Atlantic Highlands, the rules below are New Jersey's own; each row carries its publisher and retrieval date.
| 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 |
| 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 |
What a Atlantic Highlands borrower is actually offered
Most loans made to Atlantic Highlands's 4,383 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Atlantic Highlands. Because the payment is fixed, the total cost of a Atlantic Highlands loan is knowable in advance — unlike a revolving card balance.
Common questions
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Nearby places
- Highlands, NJ — population 4,329
- Rumson, NJ — population 7,178
- Fair Haven, NJ — population 6,109
- Sea Bright, NJ — population 1,425
- Little Silver, NJ — population 6,053
- Red Bank, NJ — population 12,779
- Monmouth Beach, NJ — population 3,204
- Shrewsbury, NJ — population 4,149