Personal loans in Roosevelt, NJ
The first question in Roosevelt is not the rate on offer but whether the payment fits; about 799 people live here under New Jersey lending law. With 799 residents, Roosevelt outranks about 6% of the communities in New Jersey. A 2020-to-2023 comparison shows Roosevelt down by about 1.5%. Price two or three terms so you can see which payment is truly affordable in Roosevelt. For a bigger market, look to Hightstown, NJ about 4 miles away. When New Jersey caps or restricts a product, lenders either change the terms or withdraw it from Roosevelt as from the rest of the state.
Where Roosevelt stands
Most of what governs a Roosevelt loan is written in New Jersey law rather than in the city; the sourced notes below make that split concrete.
- Population: about 799, ranked 303rd of 323 places in New Jersey (Census Vintage 2023 subcounty estimate).
- Population trend: Lower by roughly 1.5% since the 2020 count.
- Absolute change: 12 residents lost between 2020 and 2023.
- Size percentile: about 6% of New Jersey communities are smaller than Roosevelt (799 residents).
- Population density: 412 people per square mile on 1.9 square miles of land.
- Land area: Roosevelt covers 1.9 square miles, the 163rd-largest area among New Jersey's 323 places.
- Share of New Jersey: Roosevelt holds about 0.0% of the state's population, some 799 people.
- National rank: Roosevelt is the 11,195th most populous of the 19,457 Census places covered here.
- Growth in New Jersey: Roosevelt stands 275th by percentage change from 2020 to 2023, among 323 places.
- State comparison: New Jersey's places average +0.3% for 2020-to-2023, against Roosevelt's 1.5%.
- Density rank: Roosevelt is the 308th most densely settled place in New Jersey.
- Density in context: Roosevelt's 412 people per square mile sit against a New Jersey median of 3,448.
- Location: 40.2207 / -74.4702, per the US Census Bureau Gazetteer.
- Nearest larger cities: Hightstown (4 mi); Allentown (7 mi); Englishtown (8 mi); Jamesburg (9 mi); Freehold (11 mi). Lenders licensed in the state serve Roosevelt whether or not they keep a local branch.
- Smaller communities within reach: Fieldsboro (15 mi); Rocky Hill (15 mi); Wrightstown (16 mi).
- Within a 50-mile radius: 16 smaller Census places.
- Larger places within 100 miles: 670.
Where Roosevelt sits in New Jersey
Within New Jersey, Roosevelt holds roughly 0.0% of all residents, the 303rd-largest share among 323 places. Its 2020-to-2023 change ranks 275th of 323 New Jersey places, putting it near the 15th percentile for growth. By density, at about 412 people per square mile, it ranks 308th in New Jersey. Within 50 miles sit 16 smaller Census places, alongside the 266 that are larger.
How personal loans work in Roosevelt
Most loans made to Roosevelt's 799 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Roosevelt lender to disclose the APR and finance charge before you sign. The term you choose in Roosevelt decides the split between a comfortable payment and the total interest you pay.
How lenders reach Roosevelt
Roosevelt is lightly settled, with about 412 people per square mile and 266 larger places within 50 miles. Lenders licensed in New Jersey reach Roosevelt's 799 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Hightstown, NJ about 4 miles away.
What New Jersey law requires in Roosevelt
For the roughly 799 residents of Roosevelt, 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 |
| 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 |
Where Roosevelt sits
Inside Roosevelt's boundaries lie about 1.9 square miles of land, with no significant water area recorded. That land carries about 412 people per square mile. For the state's biggest city, Newark, the distance is roughly 38 miles. Roosevelt has 266 larger places within a 50-mile radius. The 100-mile radius contains 670 larger places.
Common questions
What are my options in Roosevelt if my credit is poor?
What loan size can I expect in Roosevelt?
Do I have to pledge anything to borrow in Roosevelt?
Does comparing loans in Roosevelt cost me credit score points?
Nearby places
- Hightstown, NJ — population 5,853
- Allentown, NJ — population 1,724
- Jamesburg, NJ — population 5,735
- Englishtown, NJ — population 2,342
- Helmetta, NJ — population 2,437
- Spotswood, NJ — population 8,078
- Freehold, NJ — population 12,430
- Milltown, NJ — population 6,968