Personal loans in Wharton, NJ

The Wharton data picture

What follows is Wharton's place in the Census record, alongside the New Jersey rules that govern a personal loan made here.

• Population: 7,346 residents; Wharton is the 153rd-largest of 323 places in New Jersey (US Census Bureau, Vintage 2023).
• Population trend: About 1.5% above the 2020 Census base.
• Change in people: the 2020-to-2023 comparison is a gain of about 109 residents.
• Size percentile: about 53% of New Jersey's Census places are smaller than Wharton.
• Population density: about 3,533 people per square mile (Census land area 2.1 sq mi).
• By land area: Wharton ranks 150th among New Jersey's 323 places, at 2.1 sq mi.
• Water area rank: Wharton ranks 166th among New Jersey's 323 places, with 0.06 sq mi.
• State population share: Wharton accounts for about 0.2% of everyone in New Jersey.
• National standing: Wharton ranks 3,881st of 19,457 US places.
• Growth rank: Wharton ranks 59th among New Jersey's 323 places for the 2020-to-2023 change.
• State comparison: New Jersey's places average +0.3% for 2020-to-2023, against Wharton's 1.5%.
• Density in New Jersey: Wharton ranks 157th by people per square mile.
• Density in context: Wharton's 3,533 people per square mile sit against a New Jersey median of 3,448.
• Location: latitude 40.8971, longitude -74.5745 (Census Gazetteer).
• Nearest larger cities: Dover (1 mi); Hopatcong (6 mi); Morristown (9 mi); Boonton (9 mi); Kinnelon (11 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller communities close by: Victory Gardens (2 mi); Rockaway (3 mi); Mount Arlington (4 mi), each with its own Census population profile.
• Smaller places within 50 miles: 185 of them.
• Larger places within 100 miles: 259.

Wharton in state context

Within New Jersey, Wharton holds roughly 0.2% of all residents, the 153rd-largest share among 323 places. Its 2020-to-2023 change ranks 59th of 323 New Jersey places, putting it near the 82th percentile for growth. Its roughly 3,533 residents per square mile place it 157th among New Jersey's places. In land area, Wharton ranks 150th among New Jersey's 323 places.

The state rulebook for Wharton

These are New Jersey's sourced lending facts as they reach Wharton's 7,346 residents; the state has no city-level rate rule.

Wharton: area, density and distance

Wharton's land area is about 2.1 square miles; a further 0.06 square miles is water. Spread across it are roughly 3,533 residents per square mile. The state's population centre of gravity, Newark, is roughly 24 miles away. Within 50 miles of Wharton there are 165 larger Census places. By land area it ranks 150th of 323 New Jersey places.

Getting a loan in Wharton

Wharton is a fairly dense community of about 7,346 people, with 165 larger places inside a 50-mile radius. Lenders licensed in New Jersey reach Wharton's 7,346 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Dover, NJ about 1 miles away.

How a Wharton personal loan is priced

Wharton is a small town of about 7,346 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Wharton lender to disclose the APR and finance charge before you sign. The term you choose in Wharton decides the split between a comfortable payment and the total interest you pay.