Personal loans in Archbald, PA

The roughly 7,457 people who live in Archbald borrow under Pennsylvania rules; city hall sets no personal-loan rate. Population in Archbald climbed about 2.1% over the three years from 2020 to 2023.

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.

Archbald is home to roughly 7,457 people and stands 113th by size out of 1,013 Census places in Pennsylvania. If debt is already a strain, a nonprofit credit counsellor can help Archbald residents before they take on more. Consumer lending that reaches Archbald's 7,457 residents is governed by Pennsylvania statute; no city ordinance changes it. The closest larger city is Carbondale, PA about 5 miles away.

Borrowing in Archbald: the local picture

Read the local figures below as context; read the sourced Pennsylvania table as the rulebook a lender here must follow.

Archbald: area, density and distance

Inside Archbald's boundaries lie roughly 17.1 square miles of land and 0.01 square miles of water. The resulting density is about 436 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 106 miles away. A 50-mile radius around Archbald takes in 15 places that are larger. By land area it ranks 17th of 1,013 Pennsylvania places.

The state rulebook for Archbald

Every row below records a Pennsylvania rule, its publisher and its retrieval date — the same rules a Archbald lender must follow.

RuleDetailSource
State lending regulatorPennsylvania Department of Banking and Securities (DoBS)
Source says: "The Department of Banking and Securities regulates financial services in Pennsylvania."
Pennsylvania Department of Banking and Securities
as of 2026-09-16
Maximum legal interest rate (usury cap)6% per annum maximum for loans of $50,000 or less where no lower rate is contracted (41 P.S. 201(a)).
Source says: "the maximum lawful rate of interest for the loan or use of money... shall be six per cent per annum" (Loan Interest and Protection Law, Section 201(a)).
Pennsylvania General Assembly (Laws of Pennsylvania, Act 6 of 1974)
as of 2026-09-16
Payday lending statusNo separate payday-lending license; non-bank lenders are limited to 6% (unlicensed) or up to 24% (CDCA-licensed), so high-cost payday loans are not permitted.
Source says: "if a lender is licensed by the Department in accord with the CDCA, it can charge between 6-24% on loans under $25,000" (DoBS interpretive letter, May 11, 2023).
Pennsylvania Department of Banking and Securities
as of 2026-09-16

Archbald in state context

Within Pennsylvania, Archbald holds roughly 0.1% of all residents, the 113th-largest share among 1,013 places. Its 2020-to-2023 change ranks 52nd of 1,013 Pennsylvania places, putting it near the 95th percentile for growth. Its roughly 436 residents per square mile place it 885th among Pennsylvania's places. By land area, its 17.1 square miles rank 17th of 1,013 places in Pennsylvania.

How personal loans work in Archbald

Most loans made to Archbald's 7,457 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Archbald can be quoted different APRs on the same amount and term. Shortening the term on a Archbald loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Getting a loan in Archbald

Archbald is lightly settled, with about 436 people per square mile and 15 larger places within 50 miles. Whether Archbald has a local branch or not, a Pennsylvania-licensed lender can serve its 7,457 people online on the same terms. The nearest bigger place is Carbondale, PA about 5 miles away.

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 Archbald 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 Archbald is the same as anywhere in Pennsylvania.
What loan size can I expect in Archbald?
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 Archbald?
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 Archbald 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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