Personal loans in Bradford Woods, PA

The roughly 1,144 people who live in Bradford Woods borrow under Pennsylvania rules; city hall sets no personal-loan rate. Bradford Woods is home to roughly 1,144 people and stands 568th by size out of 1,013 Census 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.

The 2020 count to the 2023 estimate shows about 3.6% decline in Bradford Woods. Decide the purpose of the loan and your repayment plan before sharing any details with a Bradford Woods lender. The nearest larger city is Franklin Park, PA about 3 miles away. For the 1,144 people in Bradford Woods, Pennsylvania runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.

Borrowing in Bradford Woods: the local picture

Set out below is Bradford Woods's local context next to the state-level rules that reach every lender here.

Bradford Woods in state context

Set beside Pennsylvania's 1,013 places, Bradford Woods ranks 568th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 932nd of 1,013 Pennsylvania places, putting it near the 8th percentile for growth. At about 1,284 people per square mile, Bradford Woods is the 648th most densely settled place in Pennsylvania. The population moved by about 43 people between 2020 and 2023, a 3.6% shift.

The geography behind Bradford Woods

Bradford Woods's land area is roughly 0.9 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 1,284 residents per square mile. Philadelphia, the largest place in Pennsylvania, is about 264 miles from Bradford Woods. Counting outward 50 miles, 180 larger communities surround Bradford Woods. Within the same 50 miles lie 156 smaller Census places.

How a Bradford Woods personal loan is priced

In Bradford Woods, a small community of about 1,144, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Bradford Woods's rank of 568th in Pennsylvania: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Bradford Woods loan but raises total interest, so the smallest payment is not the cheapest loan.

Which Pennsylvania laws govern a loan in Bradford Woods

These are Pennsylvania's sourced lending facts as they reach Bradford Woods's 1,144 residents; the state has no city-level rate rule.

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 is available to Bradford Woods borrowers

With about 1,284 residents per square mile, Bradford Woods is moderately settled, and 180 larger Census places sit within 50 miles. Whether Bradford Woods has a local branch or not, a Pennsylvania-licensed lender can serve its 1,144 people online on the same terms. The nearest larger city, Franklin Park, PA about 3 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 Bradford Woods 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 Bradford Woods is the same as anywhere in Pennsylvania.
What loan size can I expect in Bradford Woods?
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 Bradford Woods?
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 Bradford Woods 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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