Personal loans in Barnegat Light, NJ

Where Barnegat Light stands

Most of what governs a Barnegat Light loan is written in New Jersey law rather than in the city; the sourced notes below make that split concrete.

• Population: a Census-estimated 652, 308th among New Jersey's 323 places (Vintage 2023).
• Population trend: The 2020-to-2023 change is positive, near 1.4%.
• Net change: roughly 9 more people than the 2020 Census counted.
• Size percentile: Barnegat Light sits ahead of around 5% of New Jersey places, at 652 people.
• Population density: about 785 people per square mile (Census land area 0.8 sq mi).
• Land area: Barnegat Light covers 0.8 square miles, the 271st-largest area among New Jersey's 323 places.
• Water area rank: Barnegat Light ranks 79th among New Jersey's 323 places, with 0.37 sq mi.
• Share of state population: Barnegat Light's 652 residents are about 0.0% of New Jersey.
• National rank: Barnegat Light is the 12,086th most populous of the 19,457 Census places covered here.
• Growth rank: Barnegat Light ranks 61st among New Jersey's 323 places for the 2020-to-2023 change.
• Against the state trend: Barnegat Light's 1.4% change compares with a New Jersey average of +0.3% across its 323 places.
• Density rank: Barnegat Light places 295th among New Jersey's places by people per square mile.
• Density in context: Barnegat Light's 785 people per square mile sit against a New Jersey median of 3,448.
• Location: 39.7513, -74.1068 (Census Gazetteer coordinates).
• Nearest larger cities: Surf City (7 mi); Ship Bottom (8 mi); Seaside Park (12 mi); Ocean Gate (12 mi); Pine Beach (13 mi). Lenders licensed in the state serve Barnegat Light whether or not they keep a local branch.
• Smaller communities close by: Harvey Cedars (4 mi); Mantoloking (21 mi); Loch Arbour (34 mi), each with its own Census population profile.
• Within a 50-mile radius: 7 smaller Census places.
• Larger places within 100 miles: 575.

The anatomy of a Barnegat Light personal loan

Barnegat Light is a small community of about 652 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Barnegat Light loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Barnegat Light loan but raises total interest, so the smallest payment is not the cheapest loan.

Borrowing reach in Barnegat Light

With about 785 residents per square mile, Barnegat Light is moderately settled, and 95 larger Census places sit within 50 miles. Whether Barnegat Light has a local branch or not, a New Jersey-licensed lender can serve its 652 people online on the same terms. The nearest larger city, Surf City, NJ about 7 miles away.

Barnegat Light against the rest of New Jersey

Set beside New Jersey's 323 places, Barnegat Light ranks 308th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Barnegat Light stands 61st among New Jersey's 323 places — roughly the 81th percentile. At about 785 people per square mile, Barnegat Light is the 295th most densely settled place in New Jersey. Between 2020 and 2023 the count changed by roughly 9 residents.

The geography behind Barnegat Light

Barnegat Light's land area is about 0.8 square miles; a further 0.37 square miles is water. Spread across it are roughly 785 residents per square mile. For the state's biggest city, Newark, the distance is roughly 67 miles. Within 50 miles of Barnegat Light there are 95 larger Census places. Within the same 50 miles lie 7 smaller Census places.

The New Jersey lending rules that reach Barnegat Light

Every row below records a New Jersey rule, its publisher and its retrieval date — the same rules a Barnegat Light lender must follow.