Personal loans in Pleasantville, NJ

Personal loans in Pleasantville, New Jersey are mostly unsecured, so the APR you see reflects how a lender reads your credit. With an estimated 20,613 residents, Pleasantville is the 47th-largest of 323 places in New Jersey. Population in Pleasantville dropped about 0.1% over the three years from 2020 to 2023. Every figure below is New Jersey's own, carrying the publisher and the retrieval date. Get pre-qualified with several lenders, then compare APR rather than the headline rate. A larger market lies at Atlantic City, NJ about 3 miles away.

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

Compare loan offers Run the numbers first

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.

Borrowing in Pleasantville: the local picture

Two layers matter for a Pleasantville borrower: the local population picture and New Jersey's consumer-lending statutes.

Population: 20,613 people, a figure that places Pleasantville 47th among the 323 Census places in New Jersey (US Census Bureau, Vintage 2023).
Population trend: A loss of roughly 0.1% between 2020 and 2023.
Size percentile: roughly 85% of New Jersey's places have fewer residents.
Location: it lies at 39.3888, -74.5143 in the Census Gazetteer.
Nearest larger cities: Atlantic City (3 mi); Vineland (26 mi); Millville (29 mi); Bridgeton (38 mi); Glassboro (38 mi). Larger metros often have more branches, but online lenders reach Pleasantville on the same terms.
Nearest smaller towns: Northfield (2 mi); Absecon (3 mi); Ventnor City (4 mi).

What New Jersey law requires in Pleasantville

Every row below records a New Jersey rule, its publisher and its retrieval date.

Rule	Detail	Source
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
Small-loan / installment lender licensing	Consumer 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
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

What a Pleasantville personal loan looks like

In Pleasantville, as throughout New Jersey, federal Truth in Lending rules require a lender to disclose the APR and finance charge before you sign. The quoted APR tracks your credit score: an excellent file may earn a single-digit rate, while damaged credit can push the rate into the high twenties or thirties. Whatever the offer, the loan should fit a budget you can already meet.

A pre-application checklist for Pleasantville

A handful of practical steps will make borrowing in Pleasantville less expensive:

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Price the payment first with our personal loan calculator before any lender quotes you.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Confirm the lender holds a New Jersey licence by checking the regulator named above.
Read the disclosure for an origination fee and any prepayment penalty before signing.

Compare personal loan offers Run the numbers first

Common questions

What are my options in Pleasantville 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 Pleasantville is the same as anywhere in New Jersey.

What loan size can I expect in Pleasantville?

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 Pleasantville?

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 Pleasantville 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

Absecon, NJ — population 9,130
Northfield, NJ — population 8,426
Ventnor City, NJ — population 9,226
Margate City, NJ — population 5,162
Atlantic City, NJ — population 38,464
Linwood, NJ — population 6,957
Longport, NJ — population 878
Somers Point, NJ — population 10,465