Personal loans in Beavertown, PA

Personal loans in Beavertown are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 993 population. At about 993 residents, Beavertown is larger than roughly 41% of the places in Pennsylvania.

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.

A 2020-to-2023 comparison shows Beavertown down by about 0.6%. Rate-shopping from Beavertown costs nothing at pre-qualification, where a soft pull leaves your credit file alone. A larger market lies at Middleburg, PA about 7 miles away. When Pennsylvania caps or restricts a product, lenders either change the terms or withdraw it from Beavertown as from the rest of the state.

What the Census records for Beavertown

The figures below are Beavertown's own — Census population, land area and coordinates — followed by the Pennsylvania rules.

The state rulebook for Beavertown

The rows below set out what a licensed lender must follow in Pennsylvania, and so for Beavertown's roughly 993 residents.

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

Borrowing reach in Beavertown

Beavertown is a moderately settled community of about 993 people, with 73 larger places inside a 50-mile radius. What is available to Beavertown's 993 borrowers is set by Pennsylvania licensing and your own credit, not by how many branches are nearby. The nearest larger city, Middleburg, PA about 7 miles away.

How a Beavertown personal loan is priced

With roughly 993 residents, Beavertown is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Beavertown lender to disclose the APR and finance charge before you sign. Shortening the term on a Beavertown loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Where Beavertown sits in Pennsylvania

Among Pennsylvania's 1,013 places, Beavertown sits at 598th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Beavertown stands 363rd among Pennsylvania's 1,013 places — roughly the 64th percentile. Its roughly 1,295 residents per square mile place it 643rd among Pennsylvania's places. By land area, its 0.8 square miles rank 565th of 1,013 places in Pennsylvania.

Land, water and location for Beavertown

The Census Gazetteer records about 0.8 square miles of land within Beavertown, with no significant water area listed. The resulting density is about 1,295 people per square mile. Philadelphia, the largest place in Pennsylvania, is about 119 miles from Beavertown. Within 50 miles of Beavertown there are 73 larger Census places. Within the same 50 miles lie 54 smaller Census places.

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