Personal loans in Freehold, NJ

Local context for Freehold

Freehold is a small town; the notes below cover its population profile and the statewide rules that apply.

• Population: an estimated 12,430 residents, 83rd of 323 places in New Jersey (Census Vintage 2023 subcounty estimate).
• Population trend: A decline of about 0.8% across the 2020-to-2023 comparison.
• Net change: roughly 106 fewer people than the 2020 Census counted.
• Size percentile: roughly 74% of New Jersey's places have fewer residents than Freehold's 12,430.
• Population density: about 6,434 people per square mile across 1.9 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Freehold covers 1.9 square miles, the 165th-largest area among New Jersey's 323 places.
• Within New Jersey: about 0.3% of the state's population lives in Freehold.
• National rank: Freehold is 2,707th of 19,457 places nationwide.
• Growth rank: Freehold's 2020-to-2023 change ranks 235th of 323 places in New Jersey.
• State comparison: New Jersey's places average +0.3% for 2020-to-2023, against Freehold's 0.8%.
• Density rank: Freehold places 69th among New Jersey's places by people per square mile.
• Density vs New Jersey: Freehold's 6,434 people per square mile compare with a state median of 3,448.
• Location: mapped by the US Census Bureau at 40.2602, -74.2759.
• Nearest larger cities: Tinton Falls (9 mi); Eatontown (12 mi); Red Bank (13 mi); South River (14 mi); Asbury Park (14 mi). Online lenders reach Freehold no matter how far the nearest branch is.
• Smaller communities within reach: Englishtown (5 mi); Farmingdale (7 mi); Roosevelt (11 mi).
• Smaller neighbours: 205 places smaller than Freehold sit within 50 miles.
• Larger places within 100 miles: 136.

How Freehold compares across New Jersey

Against New Jersey's other places, Freehold accounts for about 0.3% of the state's population and ranks 83rd of 323 by size. On the 2020-to-2023 trend, Freehold stands 235th among New Jersey's 323 places — roughly the 27th percentile. By density, at about 6,434 people per square mile, it ranks 69th in New Jersey. The population moved by about 106 people between 2020 and 2023, a 0.8% shift.

How lenders reach Freehold

Freehold is a densely built community of about 12,430 people, with 83 larger places inside a 50-mile radius. What is available to Freehold's 12,430 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 Tinton Falls, NJ about 9 miles away.

Freehold: area, density and distance

The Census Gazetteer records about 1.9 square miles of land within Freehold, with no significant water area listed. The resulting density is about 6,434 people per square mile. The state's population centre of gravity, Newark, is roughly 33 miles away. Within 50 miles of Freehold there are 83 larger Census places. By land area it ranks 165th of 323 New Jersey places.

New Jersey rules behind a Freehold personal loan

The rows below set out what a licensed lender must follow in New Jersey, and so for Freehold's roughly 12,430 residents.

What a Freehold borrower is actually offered

Freehold is a small town of about 12,430 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Freehold's rank of 83rd 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 Freehold loan is knowable in advance — unlike a revolving card balance.