Personal loans in Hampton, NJ

Hampton is home to roughly 1,443 people and stands 283rd by size out of 323 Census places in New Jersey.

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

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.

A lender serving Hampton holds a New Jersey licence and answers to a New Jersey regulator; no city office is involved for its 1,443 residents. Hampton added about 0.2% to its population between the 2020 base and the 2023 estimate. Work out your debt-to-income ratio first; lenders weigh it heavily, and Hampton's 1,443 residents are no exception. Consumer lending that reaches Hampton's 1,443 residents is governed by New Jersey statute; no city ordinance changes it. The next larger city is Glen Gardner, NJ about 2 miles away.

Where Hampton stands

Here is the sourced Census picture for Hampton, plus the New Jersey lending rules that apply to a loan taken out here.

Hampton against the rest of New Jersey

Within New Jersey, Hampton holds roughly 0.0% of all residents, the 283rd-largest share among 323 places. For population change between 2020 and 2023, Hampton ranks 125th of 323 in New Jersey (about the 61th percentile). At about 959 people per square mile, Hampton is the 286th most densely settled place in New Jersey. Within 50 miles sit 40 smaller Census places, alongside the 221 that are larger.

The anatomy of a Hampton personal loan

A Hampton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,443 residents. A lender serving Hampton's 1,443 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Hampton decides the split between a comfortable payment and the total interest you pay.

New Jersey consumer-lending rules applied in Hampton

This table holds the New Jersey rate and licensing rules for consumer loans made to Hampton's 1,443 residents.

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
Payday lending statusUnlicensed 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
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

Hampton on the map

Inside Hampton's boundaries lie roughly 1.5 square miles of land and 0.01 square miles of water. Spread across it are roughly 959 residents per square mile. The largest place in New Jersey, Newark, lies about 42 miles away. Within 50 miles of Hampton there are 221 larger Census places. By land area it ranks 199th of 323 New Jersey places.

Borrowing reach in Hampton

At roughly 959 people per square mile, Hampton is moderately settled; 221 larger places lie within 50 miles. What is available to Hampton's 1,443 borrowers is set by New Jersey licensing and your own credit, not by how many branches are nearby. The nearest larger city, Glen Gardner, NJ about 2 miles away.

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 Hampton 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 Hampton is the same as anywhere in New Jersey.
What loan size can I expect in Hampton?
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 Hampton?
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 Hampton 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.

Nearby places

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