Personal loans in Camp Hill, PA
To lend to Camp Hill's 8,163 residents, a company must hold a Pennsylvania licence, and each sourced row below names the regulator behind it.
The Census estimates 8,163 residents in Camp Hill, which ranks it 101st of 1,013 places in Pennsylvania. A personal loan in Camp Hill is priced from your credit file and income, not from the fact that the city holds 8,163 people. From the 2020 Census base to the 2023 estimate, the population rose by about 0.6%. Begin with the payment, then weigh APR and total interest across the lenders that reach Camp Hill's 8,163 residents. The next larger city is Harrisburg, PA about 3 miles away.
What the Census records for Camp Hill
Most of what governs a Camp Hill loan is written in Pennsylvania law rather than in the city; the sourced notes below make that split concrete.
- Population: 8,163 people, a figure that places Camp Hill 101st among the 1,013 Census places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is positive, near 0.6%.
- Change in people: the 2020-to-2023 comparison is a gain of about 48 residents.
- Size percentile: Camp Hill's 8,163 people outrank roughly 90% of the places in Pennsylvania.
- Land and density: 2.1 square miles of land carry roughly 3,841 residents per square mile.
- Land area: Camp Hill covers 2.1 square miles, the 195th-largest area among Pennsylvania's 1,013 places.
- Share of Pennsylvania: Camp Hill holds about 0.1% of the state's population, some 8,163 people.
- Nationally: Camp Hill is the 3,640th-largest of 19,457 Census places in the dataset.
- Growth in Pennsylvania: Camp Hill stands 140th by percentage change from 2020 to 2023, among 1,013 places.
- Versus Pennsylvania: the state average change is -0.9%, while Camp Hill moved 0.6%.
- Density rank: Camp Hill places 209th among Pennsylvania's places by people per square mile.
- Against the state median: Camp Hill runs about 3,841 residents per square mile, where the Pennsylvania median is 1,990.
- Location: 40.2422, -76.9274 (Census Gazetteer coordinates).
- Nearest larger cities: Harrisburg (3 mi); Mechanicsburg (5 mi); Middletown (11 mi); Carlisle (15 mi); Elizabethtown (18 mi). Online lenders reach Camp Hill no matter how far the nearest branch is.
- Smaller places nearby: Lemoyne (1 mi); Wormleysburg (2 mi); Shiremanstown (2 mi).
- Smaller neighbours: 149 places smaller than Camp Hill sit within 50 miles.
- At 100 miles: 96 larger Census places fall inside that radius.
How a Camp Hill personal loan is priced
In Camp Hill, a small town of about 8,163, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Camp Hill can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Camp Hill loan is knowable in advance — unlike a revolving card balance.
Camp Hill against the rest of Pennsylvania
Within Pennsylvania, Camp Hill holds roughly 0.1% of all residents, the 101st-largest share among 1,013 places. On the 2020-to-2023 trend, Camp Hill stands 140th among Pennsylvania's 1,013 places — roughly the 86th percentile. At about 3,841 people per square mile, Camp Hill is the 209th most densely settled place in Pennsylvania. Between 2020 and 2023 the count changed by roughly 48 residents.
The state rulebook for Camp Hill
Every row below records a Pennsylvania rule, its publisher and its retrieval date — the same rules a Camp Hill lender must follow.
| 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 |
| Payday lending status | No 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 |
| 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 |
What to do before borrowing in Camp Hill
Before you hand your details to a lender in Camp Hill, where the population is near 8,163:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Model the payment on the calculator before a lender models it for you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Confirm the lender holds a Pennsylvania licence by checking the regulator named above.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Make sure the new payment leaves room in a budget you already keep.
- Pick the shortest term whose payment you can comfortably afford.
In Camp Hill as elsewhere in Pennsylvania, the written terms — not the advertisement — are what count for its 8,163 residents.
Getting a loan in Camp Hill
At roughly 3,841 people per square mile, Camp Hill is fairly dense; 21 larger places lie within 50 miles. A Pennsylvania licence lets a lender serve Camp Hill without a local office, so branch density does not change what its 8,163 residents are offered. The nearest larger city, Harrisburg, PA about 3 miles away.
Common questions
What are my options in Camp Hill if my credit is poor?
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Does comparing loans in Camp Hill cost me credit score points?
Nearby places
- Wormleysburg, PA — population 3,067
- Lemoyne, PA — population 4,785
- Shiremanstown, PA — population 1,649
- New Cumberland, PA — population 7,547
- Harrisburg, PA — population 50,012
- Mechanicsburg, PA — population 9,911
- Penbrook, PA — population 3,244
- Paxtang, PA — population 1,628