Personal loans in Bendersville, PA
The first question in Bendersville is not the rate on offer but whether the payment fits; about 748 people live here under Pennsylvania lending law.
About 748 people live in Bendersville, placing it 664th of 1,013 Census places in Pennsylvania. Bendersville gained roughly 1.5% in population across the 2020-to-2023 comparison. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Bendersville loan. The next larger city is Biglerville, PA about 4 miles away. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Bendersville's 748 residents.
The Bendersville data picture
Only a few things actually differ by place — population, area, location, and the Pennsylvania rules a lender must follow — and they are below.
- Population: 748 residents; Bendersville is the 664th-largest of 1,013 places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: A gain of roughly 1.5% between 2020 and 2023.
- People gained or lost: about 11 more since the 2020 base.
- Size percentile: bigger than about 34% of the places in Pennsylvania, with 748 residents in Bendersville.
- Population density: about 1,655 people per square mile (Census land area 0.5 sq mi).
- Land area: Bendersville covers 0.5 square miles, the 767th-largest area among Pennsylvania's 1,013 places.
- Within Pennsylvania: about 0.0% of the state's population lives in Bendersville.
- Nationally: Bendersville is the 11,469th-largest of 19,457 Census places in the dataset.
- Growth rank: Bendersville's 2020-to-2023 change ranks 83rd of 1,013 places in Pennsylvania.
- State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Bendersville's 1.5%.
- Density rank: Bendersville is the 576th most densely settled place in Pennsylvania.
- Density in context: Bendersville's 1,655 people per square mile sit against a Pennsylvania median of 1,990.
- Location: mapped by the US Census Bureau at 39.9813, -77.2493.
- Nearest larger cities: Biglerville (4 mi); Arendtsville (5 mi); Mount Holly Springs (10 mi); Gettysburg (10 mi); New Oxford (13 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: York Springs (7 mi); Franklintown (13 mi); Fairfield (15 mi) — useful context for the surrounding area.
- Smaller neighbours: 43 places smaller than Bendersville sit within 50 miles.
- Within 100 miles: 398 places are larger than Bendersville.
Bendersville in state context
Bendersville is the 664th-largest of 1,013 Census places in Pennsylvania and contains about 0.0% of the state's people. For population change between 2020 and 2023, Bendersville ranks 83rd of 1,013 in Pennsylvania (about the 92th percentile). Its roughly 1,655 residents per square mile place it 576th among Pennsylvania's places. By land area, its 0.5 square miles rank 767th of 1,013 places in Pennsylvania.
Before you apply in Bendersville
These steps shape the offer you get in Bendersville, a place of about 748 people:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Use the loan calculator to test the payment on your intended amount and term.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Make sure the lender appears in the Pennsylvania regulator's licence list.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Test the payment against your current bills before you commit.
What differs between Bendersville and the rest of Pennsylvania is not the process but the borrower's own file, among the 748 people here.
Which Pennsylvania laws govern a loan in Bendersville
Below are the Pennsylvania rules that apply to a loan made in Bendersville, each with the regulator that issued it.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Pennsylvania 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 |
| Bank rate-cap exemption (state-specific rule) | Pennsylvania state-chartered banks are not subject to state interest-rate caps (Banking Code Sections 303/506 supersede the LIPL 6% cap). Source says: "Pennsylvania law does not impose any restrictions on the interest rate that Pennsylvania state-chartered banks may charge to customers." (DoBS interpretive letter, May 11, 2023). | 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 |
The geography behind Bendersville
Bendersville's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,655 people per square mile. The largest place in Pennsylvania, Philadelphia, lies about 112 miles away. A 50-mile radius around Bendersville takes in 107 places that are larger. Within the same 50 miles lie 43 smaller Census places.
Getting a loan in Bendersville
Bendersville is moderately settled, with about 1,655 people per square mile and 107 larger places within 50 miles. Whether Bendersville has a local branch or not, a Pennsylvania-licensed lender can serve its 748 people online on the same terms. The nearest bigger place is Biglerville, PA about 4 miles away.
Common questions
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Nearby places
- Biglerville, PA — population 1,245
- Arendtsville, PA — population 881
- York Springs, PA — population 698
- Mount Holly Springs, PA — population 2,011
- Gettysburg, PA — population 8,468
- Bonneauville, PA — population 1,788
- Carlisle, PA — population 22,341
- Fairfield, PA — population 540