Personal loans in Wallington, NJ
The first question in Wallington is not the rate on offer but whether the payment fits; about 11,825 people live here under New Jersey lending law.
Lenders active in Wallington report to a New Jersey supervisor, identified in the sourced rows below. By population, Wallington sits at 88th in New Jersey, with an estimated 11,825 residents. Compare APR, not the interest rate, because the APR folds in most fees on a Wallington loan. From the 2020 Census base to the 2023 estimate, the population declined by about 0.4%. The nearest larger city is Passaic, NJ about 1 miles away.
Borrowing in Wallington: the local picture
Set out below is Wallington's local context next to the state-level rules that reach every lender here.
- Population: about 11,825, ranked 88th of 323 places in New Jersey (Census Vintage 2023 subcounty estimate).
- Population trend: A drop of about 0.4% from 2020 to 2023.
- Absolute change: 50 residents lost between 2020 and 2023.
- Size percentile: Wallington's 11,825 people outrank roughly 73% of the places in New Jersey.
- Population density: 11,896 people per square mile on 1.0 square miles of land.
- By land area: Wallington ranks 252nd among New Jersey's 323 places, at 1.0 sq mi.
- Water area: Wallington has 0.05 square miles of water, ranking 170th of 323 places in New Jersey.
- Share of state population: Wallington's 11,825 residents are about 0.3% of New Jersey.
- National rank: Wallington is the 2,800th most populous of the 19,457 Census places covered here.
- Growth rank: Wallington's 2020-to-2023 change ranks 188th of 323 places in New Jersey.
- State comparison: New Jersey's places average +0.3% for 2020-to-2023, against Wallington's 0.4%.
- Density rank: Wallington places 22nd among New Jersey's places by people per square mile.
- Density vs New Jersey: Wallington's 11,896 people per square mile compare with a state median of 3,448.
- Location: latitude 40.8531, longitude -74.1063 (Census Gazetteer).
- Nearest larger cities: Passaic (1 mi); Hasbrouck Heights (2 mi); Garfield (2 mi); Lodi (2 mi); Rutherford (2 mi). Living near a larger metro rarely changes what is available in Wallington.
- Nearest smaller towns: Wood-Ridge (1 mi); Teterboro (2 mi); Moonachie (3 mi).
- Smaller neighbours: 256 places smaller than Wallington sit within 50 miles.
- Larger places within 100 miles: 150.
How personal loans work in Wallington
With roughly 11,825 residents, Wallington is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Wallington can be quoted different APRs on the same amount and term. Shortening the term on a Wallington loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
How lenders reach Wallington
At roughly 11,896 people per square mile, Wallington is densely built; 108 larger places lie within 50 miles. What is available to Wallington's 11,825 borrowers is set by New Jersey licensing and your own credit, not by how many branches are nearby. The nearest larger city, Passaic, NJ about 1 miles away.
Wallington: area, density and distance
Wallington covers about 1.0 square miles of land, with 0.05 square miles of water inside its boundaries (Census Gazetteer). With 11,825 residents, the land area yields roughly 11,896 people per square mile. The state's population centre of gravity, Newark, is roughly 10 miles away. Wallington has 108 larger places within a 50-mile radius. Within the same 50 miles lie 256 smaller Census places.
Wallington in state context
Among New Jersey's 323 places, Wallington sits at 88th for population, a share of roughly 0.3% of the state. On the 2020-to-2023 trend, Wallington stands 188th among New Jersey's 323 places — roughly the 42th percentile. At about 11,896 people per square mile, Wallington is the 22nd most densely settled place in New Jersey. In land area, Wallington ranks 252nd among New Jersey's 323 places.
How New Jersey law applies in Wallington
When New Jersey does not publish a figure, the row links to the source instead of inventing a number; Wallington is bound by the same rules.
| 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 |
Common questions
What are my options in Wallington if my credit is poor?
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Does comparing loans in Wallington cost me credit score points?
Nearby places
- Wood-Ridge, NJ — population 10,197
- Passaic, NJ — population 68,903
- Garfield, NJ — population 32,456
- Hasbrouck Heights, NJ — population 12,030
- Rutherford, NJ — population 18,852
- Lodi, NJ — population 25,832
- East Rutherford, NJ — population 10,421
- Teterboro, NJ — population 71