Personal loans in Burlington, PA
Burlington is a small community in Pennsylvania, with an estimated 143 residents, and every licensed lender here follows the same state rulebook. For a community of about 143, the practical step is to compare APR across at least three lenders before committing. An estimated 143 people make their home in Burlington, a figure that ranks 962nd in Pennsylvania. Rate ceilings, licensing requirements and product limits for Burlington are all set at the Pennsylvania level. Population in Burlington dropped about 0.7% over the three years from 2020 to 2023. A larger market lies at Towanda, PA about 8 miles away.
Where Burlington stands
What follows is Burlington's place in the Census record, alongside the Pennsylvania rules that govern a personal loan made here.
- Population: an estimated 143 residents, 962nd of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
- Population trend: Lower by roughly 0.7% since the 2020 count.
- People gained or lost: about 1 fewer since the 2020 base.
- Size percentile: roughly 5% of Pennsylvania's places have fewer residents than Burlington's 143.
- Density: the Census land area of 0.6 sq mi holds about 244 people per square mile.
- Land area rank: Burlington's 0.6 square miles rank 673rd of 1,013 places in Pennsylvania.
- Water area: Burlington has 0.01 square miles of water, ranking 390th of 1,013 places in Pennsylvania.
- Within Pennsylvania: about 0.0% of the state's population lives in Burlington.
- Nationally: Burlington is the 17,375th-largest of 19,457 Census places in the dataset.
- Growth in Pennsylvania: Burlington stands 378th by percentage change from 2020 to 2023, among 1,013 places.
- State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Burlington's 0.7%.
- Density rank: Burlington places 939th among Pennsylvania's places by people per square mile.
- Density vs Pennsylvania: Burlington's 244 people per square mile compare with a state median of 1,990.
- Location: 41.7841, -76.6073 (Census Gazetteer coordinates).
- Nearest larger cities: Towanda (8 mi); Monroe (8 mi); Troy (10 mi); Athens (12 mi); Sylvania (13 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller places close by: Alba (13 mi); Forksville (20 mi); Friendsville (30 mi).
- Within a 50-mile radius: 3 smaller Census places.
- At 100 miles: 419 larger Census places fall inside that radius.
Where Burlington sits
Burlington covers about 0.6 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 244 people per square mile. Philadelphia, the largest place in Pennsylvania, is about 145 miles from Burlington. Counting outward 50 miles, 86 larger communities surround Burlington. The 100-mile radius contains 419 larger places.
How lenders reach Burlington
At roughly 244 people per square mile, Burlington is lightly settled; 86 larger places lie within 50 miles. Lenders licensed in Pennsylvania reach Burlington's 143 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Towanda, PA about 8 miles away.
What shapes a Burlington personal loan
Most loans made to Burlington's 143 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Burlington's rank of 962nd in Pennsylvania: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Burlington loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Before you apply in Burlington
Complete these steps first when you borrow in Burlington (143 residents):
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Use the loan calculator to test the payment on your intended amount and term.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the Pennsylvania licence with the regulator named above before committing.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Test the payment against your current bills before you commit.
- Weigh a shorter term's higher payment against the interest it saves.
In Burlington as elsewhere in Pennsylvania, the written terms — not the advertisement — are what count for its 143 residents.
Pennsylvania consumer-lending rules applied in Burlington
For the roughly 143 residents of Burlington, the rules below are Pennsylvania's own; each row carries its publisher and retrieval date.
| 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 |
| Small-loan / installment lender licensing | Consumer Discount Company Act license required for non-mortgage consumer loans above 6%; licensed lenders may charge up to 24% on loans of $25,000 or less. Source says: "A consumer discount company is a business corporation that negotiates or makes non-mortgage loans or advances of money on credit." | 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 |
Common questions
What are my options in Burlington if my credit is poor?
What loan size can I expect in Burlington?
Do I have to pledge anything to borrow in Burlington?
Does comparing loans in Burlington cost me credit score points?
Nearby places
- Monroe, PA — population 482
- Towanda, PA — population 2,774
- Athens, PA — population 3,231
- Troy, PA — population 1,241
- South Waverly, PA — population 1,065
- Sayre, PA — population 5,400
- Alba, PA — population 137
- Waverly, NY — population 4,270