Personal loans in Englewood Cliffs, NJ
Englewood Cliffs, New Jersey — home to about 5,321 people — is a small town, so the terms you are offered follow New Jersey law rather than any local rule. Pull your credit reports and line up at least three offers before you apply from Englewood Cliffs. With 5,321 residents, Englewood Cliffs outranks about 42% of the communities in New Jersey. Lenders active in Englewood Cliffs report to a New Jersey supervisor, identified in the sourced rows below. Englewood Cliffs shed about 0.4% of its population between the 2020 base and the 2023 estimate. The closest larger city is Englewood, NJ about 2 miles away.
Englewood Cliffs: population, trend and location
The figures below are Englewood Cliffs's own — Census population, land area and coordinates — followed by the New Jersey rules.
- Population: the Census counts 5,321 residents in Englewood Cliffs (Vintage 2023 subcounty estimate), the 188th-largest figure among New Jersey's 323 places.
- Population trend: The 2020-to-2023 change is negative, near 0.4%.
- People gained or lost: about 21 fewer since the 2020 base.
- Size percentile: Englewood Cliffs's 5,321 people outrank roughly 42% of the places in New Jersey.
- Population density: about 2,503 people per square mile across 2.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Englewood Cliffs's 2.1 square miles rank 148th of 323 places in New Jersey.
- Water area rank: Englewood Cliffs ranks 27th among New Jersey's 323 places, with 1.25 sq mi.
- Within New Jersey: about 0.1% of the state's population lives in Englewood Cliffs.
- National rank: Englewood Cliffs sits 4,656th by population among the 19,457 places in this dataset.
- Growth rank: Englewood Cliffs's 2020-to-2023 change ranks 183rd of 323 places in New Jersey.
- Against the state trend: Englewood Cliffs's 0.4% change compares with a New Jersey average of +0.3% across its 323 places.
- Density rank: Englewood Cliffs is the 201st most densely settled place in New Jersey.
- Density in context: Englewood Cliffs's 2,503 people per square mile sit against a New Jersey median of 3,448.
- Location: it lies at 40.8846, -73.9447 in the Census Gazetteer.
- Nearest larger cities: Englewood (2 mi); Tenafly (2 mi); Leonia (3 mi); Fort Lee (3 mi); Palisades Park (4 mi). Online lenders reach Englewood Cliffs no matter how far the nearest branch is.
- Smaller places close by: Demarest (5 mi); Alpine (6 mi); Haworth (6 mi).
- Within a 50-mile radius: 129 smaller Census places.
- Larger places within 100 miles: 323.
How Englewood Cliffs compares across New Jersey
Englewood Cliffs is the 188th-largest of 323 Census places in New Jersey and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Englewood Cliffs stands 183rd among New Jersey's 323 places — roughly the 43th percentile. Its roughly 2,503 residents per square mile place it 201st among New Jersey's places. By land area, its 2.1 square miles rank 148th of 323 places in New Jersey.
How a Englewood Cliffs personal loan is priced
In Englewood Cliffs, a small town of about 5,321, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Englewood Cliffs. Shortening the term on a Englewood Cliffs loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Where Englewood Cliffs sits
Inside Englewood Cliffs's boundaries lie roughly 2.1 square miles of land and 1.25 square miles of water. The resulting density is about 2,503 people per square mile. The state's population centre of gravity, Newark, is roughly 16 miles away. Counting outward 50 miles, 229 larger communities surround Englewood Cliffs. By land area it ranks 148th of 323 New Jersey places.
New Jersey consumer-lending rules applied in Englewood Cliffs
For the roughly 5,321 residents of Englewood Cliffs, 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 |
Borrowing reach in Englewood Cliffs
Englewood Cliffs is a fairly dense community of about 5,321 people, with 229 larger places inside a 50-mile radius. A New Jersey licence lets a lender serve Englewood Cliffs without a local office, so branch density does not change what its 5,321 residents are offered. For a larger market, the closest option is Englewood, NJ about 2 miles away.
Common questions
What are my options in Englewood Cliffs if my credit is poor?
What loan size can I expect in Englewood Cliffs?
Do I have to pledge anything to borrow in Englewood Cliffs?
Does comparing loans in Englewood Cliffs cost me credit score points?
Nearby places
- Englewood, NJ — population 29,624
- Tenafly, NJ — population 15,178
- Fort Lee, NJ — population 39,700
- Leonia, NJ — population 9,303
- Cresskill, NJ — population 9,118
- Palisades Park, NJ — population 20,102
- Bergenfield, NJ — population 28,274
- Edgewater, NJ — population 14,678