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Personal loans in Bradley Beach, NJ

Bradley Beach is a small community of about 4,219 residents, and a personal loan taken out here is governed by New Jersey statute. Lenders active in Bradley Beach report to a New Jersey supervisor, identified in the sourced rows below. About 4,219 people live in Bradley Beach, placing it 214th of 323 Census places in New Jersey. Begin with the payment, then weigh APR and total interest across the lenders that reach Bradley Beach's 4,219 residents. Bradley Beach shed about 1.6% of its population between the 2020 base and the 2023 estimate. For a bigger market, look to Neptune City, NJ about 1 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

What the Census records for Bradley Beach

Two layers matter for a Bradley Beach borrower: the local population picture and New Jersey's consumer-lending statutes.

What to do before borrowing in Bradley Beach

Before you hand your details to a lender in Bradley Beach, where the population is near 4,219:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Confirm the lender holds a New Jersey licence by checking the regulator named above.
  5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  6. Check the disclosure for fees that raise the true cost above the quoted rate.
  7. Make sure the new payment leaves room in a budget you already keep.

What differs between Bradley Beach and the rest of New Jersey is not the process but the borrower's own file, among the 4,219 people here.

Bradley Beach's place among New Jersey's 323 places

Bradley Beach is the 214th-largest of 323 Census places in New Jersey and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Bradley Beach stands 284th among New Jersey's 323 places — roughly the 12th percentile. By density, at about 6,916 people per square mile, it ranks 59th in New Jersey. In land area, Bradley Beach ranks 289th among New Jersey's 323 places.

How New Jersey law applies in Bradley Beach

Below are the New Jersey rules that apply to a loan made in Bradley Beach, each with the regulator that issued it.

RuleDetailSource
State lending regulatorNew 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
Small-loan / installment lender licensingConsumer 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
Criminal usury limits30% 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

Bradley Beach on the map

The Census Gazetteer records 0.6 square miles of land and 0.02 square miles of water within Bradley Beach. With 4,219 residents, the land area yields roughly 6,916 people per square mile. The state's population centre of gravity, Newark, is roughly 37 miles away. Counting outward 50 miles, 152 larger communities surround Bradley Beach. The 100-mile radius contains 376 larger places.

How lenders reach Bradley Beach

With about 6,916 residents per square mile, Bradley Beach is densely built, and 152 larger Census places sit within 50 miles. What is available to Bradley Beach's 4,219 borrowers is set by New Jersey licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Neptune City, NJ about 1 miles away.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Bradley Beach if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Bradley Beach is the same as anywhere in New Jersey.
What loan size can I expect in Bradley Beach?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Bradley Beach?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Bradley Beach cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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