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New Jersey is a state in the Mid-Atlantic region of the Northeastern United States. It is a peninsula, bordered on the north and east by the state of New York, particularly along the extent of the length of New York City on its western edge; on the east, southeast, and south by the Atlantic Ocean; on the west by the Delaware River and Pennsylvania; and on the southwest by the Delaware Bay and Delaware. New Jersey is the fourth-smallest state by area but the 11th-most populous, with 9 million residents as of 2017, and the most densely populated of the 50 U.S. states; its biggest city is Newark. New Jersey lies completely within the combined statistical areas of New York City and Philadelphia and is the third-wealthiest state by median household income as of 2016.
New Jersey is bordered on the north and northeast by New York (parts of which are across the Hudson River, Upper New York Bay, the Kill Van Kull, Newark Bay, and the Arthur Kill); on the east by the Atlantic Ocean; on the southwest by Delaware across Delaware Bay; and on the west by Pennsylvania across the Delaware River.
New Jersey is often broadly divided into three geographic regions: North Jersey, Central Jersey, and South Jersey. Some New Jersey residents do not consider Central Jersey a region in its own right, but others believe it is a separate geographic and cultural area from the North and South.
Within those regions are five distinct areas, based upon natural geography and population concentration. Northeastern New Jersey lies closest to Manhattan in New York City, and up to 1 million residents commute daily into the city for work, often via public transportation. Northwestern New Jersey, is more wooded, rural, and mountainous. The Jersey shore, along the Atlantic Coast in Central and South Jersey, has its own unique natural, residential, and cultural characteristics owing to its location by the ocean. The Delaware Valley includes the southwestern counties of the state, which reside within the Philadelphia Metropolitan Area. The Pine Barrens region is in the southern interior of New Jersey. Covered rather extensively by mixed pine and oak forest, it has a much lower population density than much of the rest of the state.
The federal Office of Management and Budget divides New Jersey’s counties into seven Metropolitan Statistical Areas, with 16 counties included in either the New York City or Philadelphia metro areas. Four counties have independent metro areas, and Warren County is part of the Pennsylvania-based Lehigh Valley metro area. New Jersey is also at the center of the Northeast megalopolis.
High Point, in Montague Township, Sussex County, is the state’s highest elevation, at 1,803 feet (550 m) above sea level. The state’s highest prominence is Kitty Ann Mountain in Morris County, rising 892 feet. The Palisades are a line of steep cliffs on the west side of the Hudson River, in Bergen and Hudson Counties. Major New Jersey rivers include the Hudson, Delaware, Raritan, Passaic, Hackensack, Rahway, Musconetcong, Mullica, Rancocas, Manasquan, Maurice, and Toms rivers. Due to New Jersey’s peninsular geography, both sunrise and sunset are visible over water from different points on the Jersey Shore.
The United States Census Bureau estimates that the population of New Jersey was 8,958,013 on July 1, 2015, a 1.89% increase since the 2010 United States Census. Residents of New Jersey are most commonly referred to as “New Jerseyans” or, less commonly, as “New Jerseyites”. As of the 2010 census, there were 8,791,894 people residing in the state. The racial makeup of the state was:
17.7% of the population were Hispanic or Latino (of any race).
Non-Hispanic Whites were 58.9% of the population in 2011, down from 85% in 1970.
In 2010, unauthorized immigrants constituted an estimated 6.2% of the population. This was the fourth-highest percentage of any state in the country. There were an estimated 550,000 illegal immigrants in the state in 2010.
The United States Census Bureau, as of July 1, 2017, estimated New Jersey’s population at 9,005,644, which represents an increase of 213,750, or 2.4%, since the last census in 2010. As of 2010, New Jersey was the eleventh-most populous state in the United States, and the most densely populated, at 1,185 residents per square mile (458 per km), with most of the population residing in the counties surrounding New York City, Philadelphia, and along the eastern Jersey Shore, while the extreme southern and northwestern counties are relatively less dense overall. It is also the second wealthiest state according to the U.S. Census Bureau.
The center of population for New Jersey is located in Middlesex County, in the town of Milltown, just east of the New Jersey Turnpike.
New Jersey is home to more scientists and engineers per square mile than anywhere else in the world.
On October 21, 2013, same-sex marriages commenced in New Jersey.
New Jersey is one of the most ethnically and religiously diverse states in the country. As of 2011, 56.4% of New Jersey’s children under the age of one belonged to racial or ethnic minority groups, meaning that they had at least one parent who was not non-Hispanic white. It has the second largest Jewish population by percentage (after New York); the second largest Muslim population by percentage (after Michigan); the largest population of Peruvian Americans in the United States; the largest population of Cubans outside of Florida; the third highest Asian population by percentage; and the third highest Italian population by percentage, according to the 2000 Census. African Americans, Hispanics (Puerto Ricans and Dominicans), West Indians, Arabs, and Brazilian and Portuguese Americans are also high in number. New Jersey has the third highest Asian Indian population of any state by absolute numbers and the highest by percentage, with Bergen County home to America’s largest Malayali community. Overall, New Jersey has the third largest Korean population, with Bergen County home to the highest Korean concentration per capita of any U.S. county (6.9% in 2011). New Jersey also has the fourth largest Filipino population, and fourth largest Chinese population, per the 2010 U.S. Census. The five largest ethnic groups in 2000 were: Italian (17.9%), Irish (15.9%), African (13.6%), German (12.6%), Polish (6.9%).
Newark was the fourth poorest of U.S. cities with over 250,000 residents in 2008, but New Jersey as a whole had the second-highest median household income as of 2014. This is largely because so much of New Jersey consists of suburbs, most of them affluent, of New York City and Philadelphia. New Jersey is also the most densely populated state, and the only state that has had every one of its counties deemed “urban” as defined by the Census Bureau’s Combined Statistical Area.
In 2010, 6.2% of its population was reported as under age 5, 23.5% under 18, and 13.5% were 65 or older; and females made up approximately 51.3% of the population.
A study by the Pew Research Center found that in 2013, New Jersey was the only U.S. state in which immigrants born in India constituted the largest foreign-born nationality, representing roughly 10% of all foreign-born residents in the state.
For further information on various ethnic groups and neighborhoods prominently featured within New Jersey, see the following articles:
As of 2011, 56.4% of New Jersey’s population younger than age 1 were minorities (meaning that they had at least one parent who was not non-Hispanic white).
Note: Births in table don’t add up, because Hispanics are counted both by their ethnicity and by their race, giving a higher overall number.
As of 2010, 71.31% (5,830,812) of New Jersey residents age 5 and older spoke English at home as a primary language, while 14.59% (1,193,261) spoke Spanish, 1.23% (100,217) Chinese (which includes Cantonese and Mandarin), 1.06% (86,849) Italian, 1.06% (86,486) Portuguese, 0.96% (78,627) Tagalog, and Korean was spoken as a main language by 0.89% (73,057) of the population over the age of five. In total, 28.69% (2,345,644) of New Jersey’s population age 5 and older spoke a mother language other than English.
A diverse collection of languages has since evolved amongst the state’s population, given that New Jersey has become cosmopolitan and is home to ethnic enclaves of non-English-speaking communities:
High-rise residential complexes in the borough of Fort Lee, Bergen County
Paterson, known as the “Silk City”, has become a prime destination for an internationally diverse pool of immigrants, with at least 52 distinct ethnic groups.
Skyscrapers in Jersey City, one of the most ethnically diverse cities in the world.
Federal Courthouse in Camden, which is connected to Philadelphia via the Benjamin Franklin Bridge in the background
By number of adherents, the largest denominations in New Jersey, according to the Association of Religion Data Archives in 2010, were the Roman Catholic Church with 3,235,290; Islam with 160,666; and the United Methodist Church with 138,052. The world’s largest Hindu temple was inaugurated in Robbinsville, Mercer County, in central New Jersey during 2014, a BAPS temple.
Cathedral Basilica of the Sacred Heart in Newark, the fifth-largest cathedral in North America, is the seat of the city’s Roman Catholic Archdiocese.
Temple Sharey Tefilo-Israel, in South Orange, Essex County. New Jersey is home to the second-highest Jewish American (Hebrew) population per capita, after New York.
Swaminarayan Akshardham (Devnagari) in Robbinsville, Mercer County, inaugurated in 2014 as the world’s largest Hindu temple.
Little Ramallah in Paterson is an increasingly popular destination for Muslim immigrants.
For its overall population and nation-leading population density, New Jersey has a relative paucity of classic large cities. This paradox is most pronounced in Bergen County, New Jersey’s most populous county, whose more than 930,000 residents in 2014 inhabited 70 municipalities, the most populous being Hackensack, with 44,519 residents estimated in 2014. Many urban areas extend far beyond the limits of a single large city, as New Jersey cities (and indeed municipalities in general) tend to be geographically small; three of the four largest cities in New Jersey by population have under 20 square miles of land area, and eight of the top ten, including all of the top five have land area under 30 square miles. As of the United States 2010 Census, only four municipalities had populations in excess of 100,000, although Edison and Woodbridge came very close.
New Jersey neighborhoods include: Absecon, Allendale, Allenhurst, Allentown, Alpha, Alpine, Andover, Annandale, Asbury, Asbury Park, Atco, Atlantic City, Atlantic Highlands, Audubon, Augusta, Avalon, Avenel, Avon By The Sea, Barnegat, Barrington, Basking Ridge, Bay Head, Bayonne, Bayville, Beach Haven, Beachwood, Bedminster, Belford, Belle Mead, Belleville, Bellmawr, Belmar, Belvidere, Bergenfield, Berkeley Heights, Berlin, Bernardsville, Beverly, Blackwood, Blairstown, Bloomfield, Bloomingdale, Bloomsbury, Bogota, Boonton, Boonton Township, Bordentown, Bound Brook, Bradley Beach, Branchburg, Branchville, Brick, Bridgeport, Bridgeton, Bridgewater, Brielle, Brigantine, Brooklawn, Browns Mills, Budd Lake, Buena, Burlington, Butler, Byram Township, Caldwell, Califon, Camden, Cape May, Cape May Court House, Carlstadt, Carneys Point, Carteret, Cedar Grove, Cedar Knolls, Cedarville, Chatham, Chatham Twp, Chatsworth, Cherry Hill, Chesilhurst, Chester, Chesterfield, Cinnaminson, Clark, Clarksboro, Clarksburg, Clayton, Clementon, Cliffside Park, Cliffwood, Clifton, Clinton, Closter, Collingswood, Colonia, Colts Neck, Columbia, Columbus, Cookstown, Corbin City, Cranbury, Cranford, Cream Ridge, Cresskill, Crosswicks, Dayton, Deal, Delanco, Del Haven, Delmont, Delran, Demarest, Denville, Deptford, Dorothy, Dover, Dumont, Dunellen, East Brunswick, East Hanover, East Newark, East Orange, East Rutherford, East Windsor, Eatontown, Edgewater, Edgewater Park, Edison, Egg Harbor City, Egg Harbor Township, Elizabeth, Elizabethport, Elmer, Elmwood Park, Emerson, Englewood, Englewood Cliffs, Englishtown, Essex Fells, Estell Manor, Evesham, Ewing, Fairfield, Fair Haven, Fair Lawn, Fairview, Fanwood, Far Hills, Farmingdale, Fieldsboro, Flanders, Flemington, Florence, Florham Park, Fords, Forked River, Fort Dix, Fort Lee, Fort Monmouth, Franklin, Franklin Lakes, Franklin Park, Franklinville, Fredon Township, Freehold, Frenchtown, Galloway, Garfield, Garwood, Gibbsboro, Gibbstown, Gillette, Gladstone, Glassboro, Glendora, Glen Gardner, Glen Ridge, Glen Rock, Glenwood, Gloucester City, Great Meadows, Green Brook, Green Township, Green Village, Greenwich, Grenloch, Greystone Park, Guttenberg, Hackensack, Hackettstown, Haddonfield, Haddon Heights, Haddon Township, Hainesport, Haledon, Hamburg, Hamilton, Hamilton Square, Hammonton, Hampton, Hardwick, Harrington Park, Harrison, Harvey Cedars, Hasbrouck Heights, Haskell, Haworth, Hawthorne, Hazlet, Heislerville, Helmetta, Hewitt, High Bridge, Highland Lakes, Highlands, Hightstown, Hillsborough, Hillsdale, Hillside, Hi Nella, Hoboken, Ho Ho Kus, Holmdel, Hopatcong, Hopelawn, Hopewell, Howell, Interlaken, Irvington, Iselin, Island Heights, Jackson, Jamesburg, Jersey City, Jobstown, Keansburg, Kearny, Keasbey, Kendall Park, Kenilworth, Kenvil, Keyport, Kingston, Kinnelon, Lafayette, Lake Hiawatha, Lake Hopatcong, Lakehurst, Lakewood, Lambertville, Landing, Landisville, Lanoka Harbor, Laurel Springs, Lavallette, Lawnside, Lawrence Township, Lawrenceville, Layton, Lebanon, Ledgewood, Leesburg, Leonardo, Leonia, Lincoln Park, Lincroft, Linden, Lindenwold, Linwood, Little Egg Harbor Twp, Little Falls, Little Ferry, Little Silver, Livingston, Lodi, Long Beach Township, Long Branch, Longport, Long Valley, Lumberton, Lyndhurst, Madison, Magnolia, Mahwah, Malaga, Manahawkin, Manalapan, Manasquan, Manchester, Manchester Township, Mantoloking, Mantua, Manville, Maple Shade, Maplewood, Margate City, Marlboro, Marlton, Marmora, Martinsville, Matawan, Mays Landing, Maywood, Medford, Medford Lakes, Mendham, Merchantville, Metuchen, Mickleton, Middlesex, Middletown, Midland Park, Milford, Millburn, Millington, Millstone Township, Milltown, Millville, Milmay, Mine Hill, Minotola, Monmouth Beach, Monmouth Junction, Monroe Township, Monroeville, Montague, Montclair, Montvale, Montville, Moonachie, Moorestown, Morganville, Morris Plains, Morristown, Mountain Lakes, Mountainside, Mount Arlington, Mount Ephraim, Mount Holly, Mount Laurel, Mount Royal, Mullica Hill, National Park, Neptune, Neptune City, Neshanic Station, Netcong, Newark, New Brunswick, New Egypt, Newfield, Newfoundland, New Milford, Newport, New Providence, Newton, Newtonville, New Vernon, North Arlington, North Bergen, North Brunswick, North Caldwell, North Cape May, Northfield, North Haledon, North Middletown, North Plainfield, Northvale, North Wildwood, Norwood, Nutley, Oakhurst, Oakland, Oaklyn, Oak Ridge, Ocean, Ocean City, Ocean Gate, Ocean Grove, Oceanport, Ocean View, Ogdensburg, Old Bridge, Old Tappan, Oradell, Orange, Oxford, Palisades Park, Palmyra, Paramus, Park Ridge, Parsippany, Passaic, Paterson, Paulsboro, Pedricktown, Pemberton, Pennington, Pennsauken, Penns Grove, Pennsville, Pequannock, Perrineville, Perth Amboy, Phillipsburg, Pilesgrove, Pine Beach, Pine Brook, Pine Hill, Piscataway, Pitman, Pittsgrove, Pittstown, Plainfield, Plainsboro, Pleasantville, Point Pleasant Beach, Point Pleasant Boro, Pompton Lakes, Pompton Plains, Port Monmouth, Port Murray, Port Norris, Port Reading, Port Republic, Princeton, Princeton Junction, Prospect Park, Rahway, Ramsey, Randolph, Raritan, Red Bank, Richland, Ridgefield, Ridgefield Park, Ridgewood, Ringoes, Ringwood, Rio Grande, Riverdale, River Edge, Riverside, Riverton, Rivervale, Robbinsville, Rochelle Park, Rockaway, Rockleigh, Rocky Hill, Roebling, Roosevelt, Roseland, Roselle, Roselle Park, Rosemont, Rumson, Runnemede, Rutherford, Saddle Brook, Saddle River, Salem, Sandyston, Scotch Plains, Sea Bright, Sea Girt, Sea Isle City, Seaside Heights, Seaside Park, Secaucus, Sewaren, Sewell, Shamong, Shiloh, Ship Bottom, Short Hills, Shrewsbury, Sicklerville, Skillman, Somerdale, Somerset, Somers Point, Somerville, Southampton, South Bound Brook, South Hackensack, South Harrison Township, South Orange, South Plainfield, South River, Sparta, Spotswood, Springfield, Spring Lake, Stanhope, Stewartsville, Stirling, Stockholm, Stockton, Stone Harbor, Stratford, Strathmere, Succasunna, Summit, Surf City, Sussex, Swedesboro, Tabernacle, Teaneck, Tenafly, Teterboro, Tewksbury Township, Thorofare, Three Bridges, Tinton Falls, Titusville, Toms River, Totowa, Towaco, Township Of Washington, Trenton, Tuckerton, Turnersville, Union, Union Beach, Union City, Upper Saddle River, Vauxhall, Ventnor City, Vernon, Verona, Villas, Vincentown, Vineland, Voorhees, Waldwick, Wall, Wallington, Wall Township, Wanaque, Wantage, Waretown, Warren, Washington, Watchung, Waterford Works, Wayne, Weehawken, Wenonah, Westampton, West Berlin, West Caldwell, West Cape May, West Collingswood, West Collingswood Heights, West Creek, West Deptford, Westfield, West Long Branch, West Milford, West New York, West Orange, Westville, West Wildwood, West Windsor, Westwood, Wharton, Whippany, Whitehouse Station, Whiting, Wildwood, Williamstown, Willingboro, Winfield Park, Woodbine, Woodbridge, Woodbury, Woodbury Heights, Woodcliff Lake, Woodland Park, Wood Ridge, Woodstown, Wrightstown, Wyckoff
For more information, see New Jersey wiki
AllCreditCarLoans was founded to help car buyers, even those who may have experienced credit difficulties in the past, get pre-approved for financing before going to a dealership. By separating car financing options from dealer price negotiations, we empower our clients to get the best deal possible.
The first step to apply for a car loan is to figure out how much you can afford to spend. If you have a vehicle to trade-in, you should determine its value so that you can factor that into your budget. A good resource for determining your cars market value is Kelley Blue Book.
Next, you'll want to consider how much money you have to use for a down payment. The more money you put down, the lower your monthly payment will be. If you are looking for an auto loan for bad credit with no money down, don't worry. We can still help you.
Finally, use our auto refi calculator to estimate your monthly payment.
If you've chosen to buy a new car, you will most likely be purchasing the vehicle from a car dealer that accepts both good and bad credit. In order to get the best deal on a bad credit new car loan, you should research the base price, the cost of optional features and the average dealer fees in your area. To get the best deal possible, work with AllCreditCarLoans to get an auto loan pre-approval so that you can negotiate like a cash buyer.
If you are looking to get the most value for your dollar, you will likely be better off looking for no down payment used cars. That's because the prior owners have already absorbed the biggest portion of the vehicle's depreciation and you may have the option to get a used car loan and buy from a private seller, thus saving dealer fees. AllCreditCarLoans can help you with an auto loan for a private seller.
No matter what your credit situation is, AllCreditCarLoans will help you to find a online car credit that is suited to your needs and budget.
We specialize in:
We've provided auto loans for first-time buyers, auto loans for students with no credit and we are proud to have arranged military auto loans for service members and their spouses. We've even been able to help foreign nationals and others who do not qualify for a social security number to buy a car with their ITIN number.
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If you are looking for a auto title loan or car loan refinancing, we have programs that can help you as well.
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The plain truth is that obtaining auto loans or any other kind of personal loan, for that matter, is not as simple as it used to be, especially in New Jersey. Large commercial banks don't want anything to do with personal loans, especially financing new cars. In most cases, people who buy a new car from a dealer wind up financing their loan through the dealership. The dealer will most likely tack additional charges onto the bottom line.
If your credit score is less than perfect you understand that you are facing many restrictions on the type of financing you can realistically get. Lending is a high risk venture. Now more than ever. The lender evaluates your repayment history. Nobody wants to lend money to someone known for defaulting on loans. Those who do, charge more interest and apply more restrictions. More interest equals to more of the money being paid back before you default. How your credit score affects your work ethic is another story. But, it is true. Some employers will not hire you if your credit is bad.
Similarly, you have the "title loan." You put up your car as collateral and agree to pay back the loan in a very short time. Usually about a week. This is basically legalized loan sharking. If you borrow $200, you pay back in the neighborhood of $300 to $400 hundred. This may help you buy a second vehicle, but think about it - is a second vehicle really that important? Why not take the bus for a while, save up and buy your second or first vehicle without all the extra charges?
Always carefully read all of the fine print in any kind of financial deal. If a no credit car loan will benefit your financial situation without putting you out on the ledge, then go for it.
If you're in the market for a vehicle and have bad credit, you've probably been asked by a car dealer or two in New Jersey about whether or not you have money to put down. This is common and, depending upon your credit score, you may or may not have to have a down payment. All car dealers have different requirements for money down and it can depend on a number of factors. Here, we'll take a look at how different types of car dealerships and lenders view down payments, as well as, how they can affect your loan approval.
Most new car dealerships are able to apply rebates and incentives to reduce the need for money down. If you have negative equity in a vehicle that you're trading in, you may have to provide money down to cover the negative equity so that it's not carried over into your new loan. While buying a new car with bad credit isn't so common, there are many manufacturers that offer lower priced new cars with attractive financing incentives to make buying easier for people with lower credit scores.
Services available online in some cases may be able to match you with a lender willing to help you get approved for a car loan with little to no money down. It's a matter of finding the right combination of vehicle and dealer to work with your individual circumstances.
Having bad credit often leads to the need for a down payment when buying a car. New car dealerships may offer incentives or rebates to offset the need and used car dealers may be able to make the numbers work in your favor. Buy here pay here car lots generally always require down payments. Negative equity in the vehicle you're trading can prevent you from being able to buy without any money down.