Personal loans in Easton, PA
In Easton, one of 1,013 Census places in Pennsylvania, the figure to compare across lenders is the APR, not the advertised rate. Easton is one of 1,013 Census places in Pennsylvania; its 29,538 residents put it at 18th.
Easton added about 5.0% to its population between the 2020 base and the 2023 estimate. Use the calculator on this page to price an amount and term before you commit in Easton. A larger market lies at Bethlehem, PA about 9 miles away. Which products a lender may offer to Easton's 29,538 residents follows from the Pennsylvania consumer-lending framework.
What the Census records for Easton
Only a few things actually differ by place — population, area, location, and the Pennsylvania rules a lender must follow — and they are below.
- Population: 29,538 — Easton ranks 18th of 1,013 communities in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: A gain of roughly 5.0% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 1,410 residents.
- Size percentile: Easton's 29,538 people outrank roughly 98% of the places in Pennsylvania.
- Population density: about 6,929 people per square mile (Census land area 4.3 sq mi).
- By land area: Easton ranks 80th among Pennsylvania's 1,013 places, at 4.3 sq mi.
- Water area: Easton has 0.60 square miles of water, ranking 12th of 1,013 places in Pennsylvania.
- State share: roughly 0.5% of Pennsylvania's residents live in Easton (29,538 people).
- National rank: Easton is the 1,333rd most populous of the 19,457 Census places covered here.
- Growth rank: Easton's 2020-to-2023 change ranks 28th of 1,013 places in Pennsylvania.
- State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Easton's 5.0%.
- Density rank: Easton places 51st among Pennsylvania's places by people per square mile.
- Density vs Pennsylvania: Easton's 6,929 people per square mile compare with a state median of 1,990.
- Location: it lies at 40.6860, -75.2185 in the Census Gazetteer.
- Nearest larger cities: Bethlehem (9 mi); Allentown (15 mi); Princeton (37 mi); Norristown (39 mi); Trenton (40 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places close by: West Easton (1 mi); Wilson (1 mi); Phillipsburg (2 mi).
- Within a 50-mile radius: 223 smaller Census places.
- At 100 miles: 61 larger Census places fall inside that radius.
The anatomy of a Easton personal loan
A Easton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 29,538 residents. Two numbers drive a Easton loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Easton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
What is available to Easton borrowers
At roughly 6,929 people per square mile, Easton is densely built; 13 larger places lie within 50 miles. Lenders licensed in Pennsylvania reach Easton's 29,538 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Bethlehem, PA about 9 miles away.
Easton's place among Pennsylvania's 1,013 places
Within Pennsylvania, Easton holds roughly 0.5% of all residents, the 18th-largest share among 1,013 places. On the 2020-to-2023 trend, Easton stands 28th among Pennsylvania's 1,013 places — roughly the 97th percentile. At about 6,929 people per square mile, Easton is the 51st most densely settled place in Pennsylvania. The population moved by about 1,410 people between 2020 and 2023, a 5.0% shift.
The geography behind Easton
The Census Gazetteer records 4.3 square miles of land and 0.60 square miles of water within Easton. Spread across it are roughly 6,929 residents per square mile. The largest place in Pennsylvania, Philadelphia, lies about 47 miles away. A 50-mile radius around Easton takes in 13 places that are larger. The 100-mile radius contains 61 larger places.
What Pennsylvania law requires in Easton
Read the table as a lender's compliance picture for Easton: the rule, the sourced figure, the publisher and the 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 |
| 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 |
Common questions
What are my options in Easton if my credit is poor?
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Does comparing loans in Easton cost me credit score points?
Nearby places
- West Easton, PA — population 1,241
- Wilson, PA — population 8,135
- Glendon, PA — population 368
- Phillipsburg, NJ — population 15,328
- Tatamy, PA — population 1,407
- Alpha, NJ — population 2,348
- Stockertown, PA — population 913
- Riegelsville, PA — population 841