Personal loans in Tinton Falls, NJ
A personal loan in Tinton Falls is priced from your credit file and income, not from the fact that the city holds 19,354 people. Read the disclosure for an origination fee and any prepayment penalty before signing in Tinton Falls. Tinton Falls is one of 323 Census places in New Jersey; its 19,354 residents put it at 53rd. Rate ceilings, licensing requirements and product limits for Tinton Falls are all set at the New Jersey level. Census figures put the 2020-to-2023 increase in Tinton Falls at about 1.0%. A larger market lies at Long Branch, NJ about 6 miles away.
Tinton Falls: the sourced local profile
Read the local figures below as context; read the sourced New Jersey table as the rulebook a lender here must follow.
- Population: 19,354 residents; Tinton Falls is the 53rd-largest of 323 places in New Jersey (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is positive, near 1.0%.
- Net change: roughly 186 more people than the 2020 Census counted.
- Size percentile: with 19,354 residents, Tinton Falls is larger than about 84% of New Jersey's Census places.
- Population density: 1,251 people per square mile on 15.5 square miles of land.
- Land area: Tinton Falls covers 15.5 square miles, the 10th-largest area among New Jersey's 323 places.
- Water area: Tinton Falls has 0.13 square miles of water, ranking 123rd of 323 places in New Jersey.
- Within New Jersey: about 0.4% of the state's population lives in Tinton Falls.
- National rank: Tinton Falls is the 1,946th most populous of the 19,457 Census places covered here.
- Growth rank: Tinton Falls ranks 80th among New Jersey's 323 places for the 2020-to-2023 change.
- Versus New Jersey: the state average change is +0.3%, while Tinton Falls moved 1.0%.
- Density rank: Tinton Falls places 268th among New Jersey's places by people per square mile.
- Density in context: Tinton Falls's 1,251 people per square mile sit against a New Jersey median of 3,448.
- Location: latitude 40.2663, longitude -74.0961 (Census Gazetteer).
- Nearest larger cities: Long Branch (6 mi); Point Pleasant (13 mi); Sayreville (18 mi); Perth Amboy (20 mi); Carteret (23 mi). Lenders licensed in the state serve Tinton Falls whether or not they keep a local branch.
- Nearest smaller towns: Eatontown (3 mi); West Long Branch (4 mi); Shrewsbury (5 mi) — useful context for the surrounding area.
- Smaller neighbours: 216 places smaller than Tinton Falls sit within 50 miles.
- At 100 miles: 96 larger Census places fall inside that radius.
Tinton Falls against the rest of New Jersey
Against New Jersey's other places, Tinton Falls accounts for about 0.4% of the state's population and ranks 53rd of 323 by size. Its 2020-to-2023 change ranks 80th of 323 New Jersey places, putting it near the 75th percentile for growth. Its roughly 1,251 residents per square mile place it 268th among New Jersey's places. Between 2020 and 2023 the count changed by roughly 186 residents.
What is available to Tinton Falls borrowers
At roughly 1,251 people per square mile, Tinton Falls is moderately settled; 58 larger places lie within 50 miles. A New Jersey licence lets a lender serve Tinton Falls without a local office, so branch density does not change what its 19,354 residents are offered. The nearest larger city, Long Branch, NJ about 6 miles away.
Inside a Tinton Falls personal loan
In Tinton Falls, a small town of about 19,354, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Tinton Falls lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Tinton Falls loan is knowable in advance — unlike a revolving card balance.
New Jersey rules behind a Tinton Falls personal loan
The rows below set out what a licensed lender must follow in New Jersey, and so for Tinton Falls's roughly 19,354 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 |
The geography behind Tinton Falls
The Census Gazetteer records 15.5 square miles of land and 0.13 square miles of water within Tinton Falls. With 19,354 residents, the land area yields roughly 1,251 people per square mile. Newark, the largest place in New Jersey, is about 32 miles from Tinton Falls. Tinton Falls has 58 larger places within a 50-mile radius. Within the same 50 miles lie 216 smaller Census places.
Common questions
What are my options in Tinton Falls if my credit is poor?
What loan size can I expect in Tinton Falls?
Do I have to pledge anything to borrow in Tinton Falls?
Does comparing loans in Tinton Falls cost me credit score points?
Nearby places
- Eatontown, NJ — population 13,496
- Shrewsbury, NJ — population 4,149
- West Long Branch, NJ — population 8,555
- Interlaken, NJ — population 817
- Red Bank, NJ — population 12,779
- Oceanport, NJ — population 6,166
- Neptune City, NJ — population 4,581
- Little Silver, NJ — population 6,053