Personal loans in Fieldsboro, NJ

Fieldsboro, NJ is a small community in New Jersey with a Census-estimated population of 538, making it the 311th-largest of 323 places in the state. Its population grew about 1.5% between the 2020 Census base and the 2023 estimate. Borrowers in Fieldsboro compare personal loans the same way borrowers do anywhere in New Jersey: the lender prices the loan from your credit history, income and debt load, not from your city.

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

What is specific to borrowing in Fieldsboro

Population: 538 (US Census Bureau, Vintage 2023 subcounty estimate) — the 311th-largest place of 323 in New Jersey.
Population trend: Its population grew about 1.5% between the 2020 Census base and the 2023 estimate.
Size percentile: larger than about 4% of the Census places in New Jersey.
Location: 40.1355, -74.7334 (US Census Bureau Gazetteer).
Nearest larger cities: Bordentown (2 mi); Tullytown (4 mi); Morrisville (6 mi); Trenton (6 mi); Bristol (7 mi). Larger metros often have more walk-in branches, but online lenders serve Fieldsboro on the same terms.
Nearest smaller towns: Stockton (22 mi); Tavistock (24 mi); Millstone (26 mi).

New Jersey lending rules that apply in Fieldsboro

Rule	Detail	Source
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
Payday lending status	Unlicensed payday lending violates New Jersey's civil and criminal usury rates; payday lenders must be licensed Source says: "out-of-state or foreign entities that have not obtained the required New Jersey license and whose payment terms violate New Jersey's civil and criminal usury rates"	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
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

How a personal loan works in Fieldsboro

A personal loan in Fieldsboro is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years. Because the payment is fixed, the total cost is predictable up front — which is the main advantage over a credit card, where the balance revolves and the payoff date is open-ended. The two numbers that matter are the APR (which includes fees, not just interest) and the term. A longer term lowers the monthly payment but raises the total interest you pay.

Before you apply in Fieldsboro

Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
Run the numbers with our personal loan calculator so you know the payment before a lender tells you.
Pre-qualify with at least three lenders and compare the APR, not the interest rate.
Check the lender is licensed in New Jersey using the regulator listed above.
Read the disclosure for origination fees and any prepayment penalty before you sign.

Compare personal loan offers Run the numbers first

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Frequently asked questions

Can I get a personal loan with bad credit in Fieldsboro?

Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Fieldsboro are the same as elsewhere in New Jersey.

How much can I borrow with a personal loan in Fieldsboro?

Most personal loans range from about $1,000 to $50,000, but the amount you are approved for depends on the lender and your income and credit. Use our personal loan calculator to model the payment before you apply.

Does a personal loan in Fieldsboro require collateral?

Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.

Will shopping for a loan in Fieldsboro hurt my credit?

Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Bordentown, NJ — population 4,021
Tullytown, PA — population 2,250
Morrisville, PA — population 9,705
Trenton, NJ — population 89,620
Bristol, PA — population 9,876
Burlington, NJ — population 10,024
Yardley, PA — population 2,582
Wrightstown, NJ — population 722