Personal loans in Manasquan, NJ
About 5,877 people live in Manasquan, placing it 179th of 323 Census places in New Jersey. Personal loans in Manasquan are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 5,877 population. Census figures put the 2020-to-2023 decrease in Manasquan at about 1.0%. Verify the lender's New Jersey licence against the regulator named below before borrowing in Manasquan. Rate ceilings, licensing requirements and product limits for Manasquan are all set at the New Jersey level. A larger market lies at Point Pleasant, NJ about 3 miles away.
Manasquan: population, trend and location
Only a few things actually differ by place — population, area, location, and the New Jersey rules a lender must follow — and they are below.
- Population: 5,877 people, a figure that places Manasquan 179th among the 323 Census places in New Jersey (US Census Bureau, Vintage 2023).
- Population trend: A decline of about 1.0% across the 2020-to-2023 comparison.
- Net change: roughly 60 fewer people than the 2020 Census counted.
- Size percentile: about 45% of New Jersey communities are smaller than Manasquan (5,877 residents).
- Density: the Census land area of 1.4 sq mi holds about 4,259 people per square mile.
- Land area: Manasquan covers 1.4 square miles, the 211th-largest area among New Jersey's 323 places.
- Water area rank: Manasquan ranks 33rd among New Jersey's 323 places, with 1.15 sq mi.
- Share of state population: Manasquan's 5,877 residents are about 0.1% of New Jersey.
- National standing: Manasquan ranks 4,407th of 19,457 US places.
- Growth rank: Manasquan ranks 249th among New Jersey's 323 places for the 2020-to-2023 change.
- Against the state trend: Manasquan's 1.0% change compares with a New Jersey average of +0.3% across its 323 places.
- Density rank: Manasquan places 121st among New Jersey's places by people per square mile.
- Against the state median: Manasquan runs about 4,259 residents per square mile, where the New Jersey median is 3,448.
- Location: the Census Gazetteer records it at 40.1124, -74.0382.
- Nearest larger cities: Point Pleasant (3 mi); Asbury Park (8 mi); Tinton Falls (11 mi); West Long Branch (12 mi); Eatontown (12 mi). Living near a larger metro rarely changes what is available in Manasquan.
- Nearest smaller towns: Sea Girt (1 mi); Point Pleasant Beach (1 mi); Brielle (1 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 82 of them.
- Larger places within 100 miles: 305.
Which New Jersey laws govern a loan in Manasquan
The rows below set out what a licensed lender must follow in New Jersey, and so for Manasquan's roughly 5,877 residents.
| 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 |
| Criminal usury limits | 30% 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 |
| 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 |
Lender access in Manasquan
Manasquan is fairly dense, with about 4,259 people per square mile and 93 larger places within 50 miles. Distance to a branch rarely matters for Manasquan's 5,877 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Point Pleasant, NJ about 3 miles away.
Where Manasquan sits in New Jersey
Among New Jersey's 323 places, Manasquan sits at 179th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Manasquan stands 249th among New Jersey's 323 places — roughly the 23th percentile. Its roughly 4,259 residents per square mile place it 121st among New Jersey's places. In land area, Manasquan ranks 211th among New Jersey's 323 places.
What to do before borrowing in Manasquan
Before you apply in Manasquan, a community of about 5,877, work through these steps:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Model the payment on the calculator before a lender models it for you.
- Shop at least three lenders and judge them on APR and total cost.
- Confirm the New Jersey licence with the regulator named above before committing.
- Keep the amount to the expense; an approval is not a reason to take more.
- Write down the purpose of the loan and your repayment plan before you apply.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
The process is identical across New Jersey; what changes is your credit file, not the fact that Manasquan holds 5,877 people.
The geography behind Manasquan
Manasquan covers about 1.4 square miles of land, with 1.15 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 4,259 people per square mile. For the state's biggest city, Newark, the distance is roughly 43 miles. Counting outward 50 miles, 93 larger communities surround Manasquan. Within the same 50 miles lie 82 smaller Census places.
Common questions
What are my options in Manasquan if my credit is poor?
What loan size can I expect in Manasquan?
Do I have to pledge anything to borrow in Manasquan?
Does comparing loans in Manasquan cost me credit score points?
Nearby places
- Sea Girt, NJ — population 1,841
- Point Pleasant Beach, NJ — population 4,897
- Brielle, NJ — population 4,920
- Spring Lake Heights, NJ — population 4,834
- Spring Lake, NJ — population 2,751
- Bay Head, NJ — population 965
- Point Pleasant, NJ — population 19,429
- Mantoloking, NJ — population 332