Personal loans in Union Beach, NJ

What the Census records for Union Beach

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

• Population: a Census-estimated 5,671, 184th among New Jersey's 323 places (Vintage 2023).
• Population trend: Roughly 0.9% fewer residents than the 2020 Census counted.
• Change in people: the 2020-to-2023 comparison is a loss of about 50 residents.
• Size percentile: Union Beach sits ahead of around 43% of New Jersey places, at 5,671 people.
• Population density: 3,182 people per square mile on 1.8 square miles of land.
• Land area rank: Union Beach's 1.8 square miles rank 175th of 323 places in New Jersey.
• Water: Union Beach holds about 0.10 square miles, the 137th-largest water area in New Jersey.
• Share of state population: Union Beach's 5,671 residents are about 0.1% of New Jersey.
• National standing: Union Beach ranks 4,504th of 19,457 US places.
• Growth rank: Union Beach ranks 237th among New Jersey's 323 places for the 2020-to-2023 change.
• Versus New Jersey: the state average change is +0.3%, while Union Beach moved 0.9%.
• Density rank: Union Beach places 171st among New Jersey's places by people per square mile.
• Density in context: Union Beach's 3,182 people per square mile sit against a New Jersey median of 3,448.
• Location: coordinates 40.4475, -74.1700 (US Census Bureau Gazetteer).
• Nearest larger cities: Keansburg (1 mi); Keyport (2 mi); Matawan (4 mi); South Amboy (6 mi); Perth Amboy (7 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Atlantic Highlands (8 mi); Highlands (10 mi); Shrewsbury (10 mi).
• Smaller neighbours: 141 places smaller than Union Beach sit within 50 miles.
• Larger places within 100 miles: 325.

Steps to take before a Union Beach loan

Before you apply in Union Beach, a community of about 5,671, work through these steps:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Test your amount and term in the personal loan calculator first.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Look the lender up in the New Jersey regulator's licence records before you sign.
5. Pick the shortest term whose payment you can comfortably afford.
6. Borrow only what the purpose requires, not the maximum you are offered.
7. Decide the purpose and how you will repay it before approaching any lender.

The process is identical across New Jersey; what changes is your credit file, not the fact that Union Beach holds 5,671 people.

Where Union Beach sits

The Census Gazetteer records 1.8 square miles of land and 0.10 square miles of water within Union Beach. Spread across it are roughly 3,182 residents per square mile. Newark, the largest place in New Jersey, is about 19 miles from Union Beach. Union Beach has 206 larger places within a 50-mile radius. By land area it ranks 175th of 323 New Jersey places.

Getting a loan in Union Beach

Union Beach is fairly dense, with about 3,182 people per square mile and 206 larger places within 50 miles. Whether Union Beach has a local branch or not, a New Jersey-licensed lender can serve its 5,671 people online on the same terms. The nearest bigger place is Keansburg, NJ about 1 miles away.

Which New Jersey laws govern a loan in Union Beach

The rows below set out what a licensed lender must follow in New Jersey, and so for Union Beach's roughly 5,671 residents.

Union Beach in state context

Among New Jersey's 323 places, Union Beach sits at 184th for population, a share of roughly 0.1% of the state. Its 2020-to-2023 change ranks 237th of 323 New Jersey places, putting it near the 27th percentile for growth. At about 3,182 people per square mile, Union Beach is the 171st most densely settled place in New Jersey. Within 50 miles sit 141 smaller Census places, alongside the 206 that are larger.