Personal loans in Caldwell, NJ

Compare APR, not the interest rate, because the APR folds in most fees on a Caldwell loan. Rate ceilings, licensing requirements and product limits for Caldwell are all set at the New Jersey level. Census figures put the 2020-to-2023 decrease in Caldwell at about 2.0%. Borrowers who want a bigger city can look to Totowa, NJ about 5 miles away.

What the Census records for Caldwell

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

• Population: about 8,834, ranked 128th of 323 places in New Jersey (Census Vintage 2023 subcounty estimate).
• Population trend: About 2.0% below the 2020 Census base.
• People gained or lost: about 181 fewer since the 2020 base.
• Size percentile: with 8,834 residents, Caldwell is larger than about 60% of New Jersey's Census places.
• Population density: about 7,499 people per square mile (Census land area 1.2 sq mi).
• Land area: Caldwell covers 1.2 square miles, the 233rd-largest area among New Jersey's 323 places.
• State share: roughly 0.2% of New Jersey's residents live in Caldwell (8,834 people).
• National rank: Caldwell is 3,428th of 19,457 places nationwide.
• Growth rank: Caldwell's 2020-to-2023 change ranks 292nd of 323 places in New Jersey.
• Against the state trend: Caldwell's 2.0% change compares with a New Jersey average of +0.3% across its 323 places.
• Density in New Jersey: Caldwell ranks 50th by people per square mile.
• Density in context: Caldwell's 7,499 people per square mile sit against a New Jersey median of 3,448.
• Location: the Census Gazetteer records it at 40.8392, -74.2770.
• Nearest larger cities: Totowa (5 mi); Woodland Park (6 mi); Lincoln Park (6 mi); East Orange (6 mi); Clifton (6 mi). Online lenders reach Caldwell no matter how far the nearest branch is.
• Nearest smaller towns: Essex Fells (1 mi); North Caldwell (2 mi); Roseland (2 mi) — useful context for the surrounding area.
• Smaller neighbours: 218 places smaller than Caldwell sit within 50 miles.
• Within 100 miles: 216 places are larger than Caldwell.

How a Caldwell personal loan is priced

Most loans made to Caldwell's 8,834 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Caldwell's rank of 128th in New Jersey: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Caldwell loan is knowable in advance — unlike a revolving card balance.

The state rulebook for Caldwell

The rows below set out what a licensed lender must follow in New Jersey, and so for Caldwell's roughly 8,834 residents.

Caldwell: area, density and distance

Inside Caldwell's boundaries lie about 1.2 square miles of land, with no significant water area recorded. Spread across it are roughly 7,499 residents per square mile. The largest place in New Jersey, Newark, lies about 10 miles away. A 50-mile radius around Caldwell takes in 153 places that are larger. The 100-mile radius contains 216 larger places.

How Caldwell compares across New Jersey

Within New Jersey, Caldwell holds roughly 0.2% of all residents, the 128th-largest share among 323 places. Its 2020-to-2023 change ranks 292nd of 323 New Jersey places, putting it near the 10th percentile for growth. By density, at about 7,499 people per square mile, it ranks 50th in New Jersey. Between 2020 and 2023 the count changed by roughly 181 residents.

How lenders reach Caldwell

Caldwell is a densely built community of about 8,834 people, with 153 larger places inside a 50-mile radius. What is available to Caldwell's 8,834 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 Totowa, NJ about 5 miles away.