Personal loans in Elderton, PA

The Census counts 323 people in Elderton, the 853rd-largest figure among Pennsylvania's 1,013 places. Census figures put the 2020-to-2023 decrease in Elderton at about 3.0%.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

Two households in Elderton with comparable incomes can still be offered different rates; the city's 323 residents are not the reason. A lender that serves Elderton operates under Pennsylvania lending statutes and a Pennsylvania supervisor. Read the disclosure for an origination fee and any prepayment penalty before signing in Elderton. The next larger city is Rural Valley, PA about 7 miles away.

Elderton by the numbers

What follows is Elderton's place in the Census record, alongside the Pennsylvania rules that govern a personal loan made here.

What Pennsylvania law requires in Elderton

This table holds the Pennsylvania rate and licensing rules for consumer loans made to Elderton's 323 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
Small-loan / installment lender licensingConsumer 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

Where Elderton sits in Pennsylvania

Within Pennsylvania, Elderton holds roughly 0.0% of all residents, the 853rd-largest share among 1,013 places. For population change between 2020 and 2023, Elderton ranks 893rd of 1,013 in Pennsylvania (about the 12th percentile). Its roughly 1,000 residents per square mile place it 726th among Pennsylvania's places. By land area, its 0.3 square miles rank 863rd of 1,013 places in Pennsylvania.

What shapes a Elderton personal loan

With roughly 323 residents, Elderton is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Elderton loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Elderton loan but raises total interest, so the smallest payment is not the cheapest loan.

Getting a loan in Elderton

With about 1,000 residents per square mile, Elderton is moderately settled, and 247 larger Census places sit within 50 miles. What is available to Elderton's 323 borrowers is set by Pennsylvania licensing and your own credit, not by how many branches are nearby. The nearest larger city, Rural Valley, PA about 7 miles away.

The geography behind Elderton

The Census Gazetteer records about 0.3 square miles of land within Elderton, with no significant water area listed. That land carries about 1,000 people per square mile. The largest place in Pennsylvania, Philadelphia, lies about 227 miles away. Counting outward 50 miles, 247 larger communities surround Elderton. Within the same 50 miles lie 47 smaller Census places.

Compare personal loan offers Run the numbers first

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 Elderton 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 Elderton is the same as anywhere in Pennsylvania.
What loan size can I expect in Elderton?
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 Elderton?
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 Elderton 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.

Nearby places

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