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%.
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.
- Population: 2,136 people, a figure that places Woodbine 258th among the 323 Census places in New Jersey (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is positive, near 0.1%.
- Net change: roughly 3 more people than the 2020 Census counted.
- Size percentile: Woodbine sits ahead of around 20% of New Jersey places, at 2,136 people.
- Population density: about 266 people per square mile (Census land area 8.0 sq mi).
- Land area rank: Woodbine's 8.0 square miles rank 30th of 323 places in New Jersey.
- Share of New Jersey: Woodbine holds about 0.0% of the state's population, some 2,136 people.
- National standing: Woodbine ranks 7,397th of 19,457 US places.
- Growth rank: Woodbine ranks 135th among New Jersey's 323 places for the 2020-to-2023 change.
- Against the state trend: Woodbine's 0.1% change compares with a New Jersey average of +0.3% across its 323 places.
- Density rank: Woodbine places 316th among New Jersey's places by people per square mile.
- Density vs New Jersey: Woodbine's 266 people per square mile compare with a state median of 3,448.
- Location: 39.2283 / -74.8096, per the US Census Bureau Gazetteer.
- Nearest larger cities: Ocean City (12 mi); Somers Point (12 mi); Linwood (15 mi); North Wildwood (15 mi); Wildwood (17 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Corbin City (8 mi); Sea Isle City (8 mi); Estell Manor (9 mi) — useful context for the surrounding area.
- Smaller neighbours: 45 places smaller than Woodbine sit within 50 miles.
- Within 100 miles: 270 places are larger than Woodbine.
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.
| 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 |
| Small-loan / installment lender licensing | Consumer 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 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 |
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.
Common questions
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Nearby places
- Corbin City, NJ — population 481
- Estell Manor, NJ — population 1,679
- Sea Isle City, NJ — population 2,122
- Avalon, NJ — population 1,218
- Stone Harbor, NJ — population 791
- Ocean City, NJ — population 11,242
- Somers Point, NJ — population 10,465
- North Wildwood, NJ — population 3,585