Personal loans in Bloomsburg, PA

The trend for Bloomsburg between 2020 and 2023 is upward by roughly 3.2%. The Census counts 13,112 people in Bloomsburg, the 48th-largest figure among Pennsylvania's 1,013 places.

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.

Personal loans in Bloomsburg are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 13,112 population. Read the disclosure for an origination fee and any prepayment penalty before signing in Bloomsburg. When Pennsylvania caps or restricts a product, lenders either change the terms or withdraw it from Bloomsburg as from the rest of the state. The nearest larger metro is Hazleton, PA about 26 miles away.

Bloomsburg by the numbers

Two layers matter for a Bloomsburg borrower: the local population picture and Pennsylvania's consumer-lending statutes.

Which Pennsylvania laws govern a loan in Bloomsburg

This table holds the Pennsylvania rate and licensing rules for consumer loans made to Bloomsburg's 13,112 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
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

What shapes a Bloomsburg personal loan

With roughly 13,112 residents, Bloomsburg is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Bloomsburg. A longer term lowers the monthly payment on a Bloomsburg loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Bloomsburg sits in Pennsylvania

Bloomsburg is the 48th-largest of 1,013 Census places in Pennsylvania and contains about 0.2% of the state's people. Its 2020-to-2023 change ranks 43rd of 1,013 Pennsylvania places, putting it near the 96th percentile for growth. By density, at about 3,016 people per square mile, it ranks 319th in Pennsylvania. By land area, its 4.3 square miles rank 79th of 1,013 places in Pennsylvania.

Bloomsburg: area, density and distance

Inside Bloomsburg's boundaries lie roughly 4.3 square miles of land and 0.34 square miles of water. With 13,112 residents, the land area yields roughly 3,016 people per square mile. Philadelphia, the largest place in Pennsylvania, is about 98 miles from Bloomsburg. Counting outward 50 miles, 7 larger communities surround Bloomsburg. The 100-mile radius contains 37 larger places.

What is available to Bloomsburg borrowers

With about 3,016 residents per square mile, Bloomsburg is fairly dense, and 7 larger Census places sit within 50 miles. A Pennsylvania licence lets a lender serve Bloomsburg without a local office, so branch density does not change what its 13,112 residents are offered. For a larger market, the closest option is Hazleton, PA about 26 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 Bloomsburg 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 Bloomsburg is the same as anywhere in Pennsylvania.
What loan size can I expect in Bloomsburg?
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 Bloomsburg?
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 Bloomsburg 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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