Personal loans in Woodbine, NJ

Woodbine, New Jersey — home to about 2,136 people — is a small community, so the terms you are offered follow New Jersey law rather than any local rule. Census figures put the 2020-to-2023 increase in Woodbine at about 0.1%.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Roughly 2,136 residents live in Woodbine, the 258th-largest community in New Jersey. Judge Woodbine offers on total cost, not on how quickly the money arrives. Every figure below is New Jersey's own, applied to Woodbine's 2,136 residents, with the publisher and retrieval date attached. The next larger city is Ocean City, NJ about 12 miles away.

What the Census records for Woodbine

Set out below is Woodbine's local context next to the state-level rules that reach every lender here.

Lender access in Woodbine

At roughly 266 people per square mile, Woodbine is lightly settled; 66 larger places lie within 50 miles. Whether Woodbine has a local branch or not, a New Jersey-licensed lender can serve its 2,136 people online on the same terms. For a larger market, the closest option is Ocean City, NJ about 12 miles away.

Woodbine in state context

Within New Jersey, Woodbine holds roughly 0.0% of all residents, the 258th-largest share among 323 places. Its 2020-to-2023 change ranks 135th of 323 New Jersey places, putting it near the 58th percentile for growth. At about 266 people per square mile, Woodbine is the 316th most densely settled place in New Jersey. Within 50 miles sit 45 smaller Census places, alongside the 66 that are larger.

The geography behind Woodbine

Woodbine's land area is roughly 8.0 square miles, and the Gazetteer records no significant water area within it. That land carries about 266 people per square mile. For the state's biggest city, Newark, the distance is roughly 109 miles. Woodbine has 66 larger places within a 50-mile radius. Within the same 50 miles lie 45 smaller Census places.

The state rulebook for Woodbine

These are New Jersey's sourced lending facts as they reach Woodbine's 2,136 residents; the state has no city-level rate rule.

RuleDetailSource
State lending regulatorNew 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
Small-loan / installment lender licensingConsumer lender license required for loans of $50,000 or less for personal, family, or household purposes (N.J.S.A. 17:11C-1 et seq.)
Source says: "A consumer lender license is required for the making of a loan that is to be used primarily for personal, family or household purposes"
New Jersey Department of Banking and Insurance
as of 2026-09-16
Criminal usury limits30% 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

What a Woodbine borrower is actually offered

Woodbine is a small community of about 2,136 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Woodbine can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Woodbine loan is knowable in advance — unlike a revolving card balance.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Woodbine if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Woodbine is the same as anywhere in New Jersey.
What loan size can I expect in Woodbine?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Woodbine?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Woodbine cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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