Personal loans in Ferndale, PA

Where Ferndale stands

Most of what governs a Ferndale loan is written in Pennsylvania law rather than in the city; the sourced notes below make that split concrete.

• Population: 1,508 people, a figure that places Ferndale 492nd among the 1,013 Census places in Pennsylvania (US Census Bureau, Vintage 2023).
• Population trend: Down about 2.6% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 41 fewer since the 2020 base.
• Size percentile: roughly 51% of Pennsylvania's places have fewer residents than Ferndale's 1,508.
• Population density: about 3,867 people per square mile (Census land area 0.4 sq mi).
• Land area: Ferndale covers 0.4 square miles, the 816th-largest area among Pennsylvania's 1,013 places.
• Water area: Ferndale has 0.03 square miles of water, ranking 316th of 1,013 places in Pennsylvania.
• State population share: Ferndale accounts for about 0.0% of everyone in Pennsylvania.
• Nationally: Ferndale is the 8,668th-largest of 19,457 Census places in the dataset.
• Growth rank: Ferndale ranks 831st among Pennsylvania's 1,013 places for the 2020-to-2023 change.
• Against the state trend: Ferndale's 2.6% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
• Density in Pennsylvania: Ferndale ranks 204th by people per square mile.
• Density vs Pennsylvania: Ferndale's 3,867 people per square mile compare with a state median of 1,990.
• Location: the Census Gazetteer records it at 40.2905, -78.9198.
• Nearest larger cities: Southmont (2 mi); Johnstown (2 mi); Geistown (2 mi); Westmont (3 mi); Windber (6 mi). Larger metros often have more branches, but online lenders reach Ferndale on the same terms.
• Nearest smaller towns: Lorain (1 mi); Dale (2 mi); Daisytown (2 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 139 of them.
• Within 100 miles: 252 places are larger than Ferndale.

A practical checklist for Ferndale borrowers

A sensible order of operations for a loan in Ferndale, home to about 1,508 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Line up several pre-qualified offers and let the APR decide.
4. Make sure the lender appears in the Pennsylvania regulator's licence list.
5. Be clear on what the loan is for and how it gets repaid.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

In Ferndale as elsewhere in Pennsylvania, the written terms — not the advertisement — are what count for its 1,508 residents.

Borrowing reach in Ferndale

Ferndale is fairly dense, with about 3,867 people per square mile and 72 larger places within 50 miles. Whether Ferndale has a local branch or not, a Pennsylvania-licensed lender can serve its 1,508 people online on the same terms. The nearest bigger place is Southmont, PA about 2 miles away.

How personal loans work in Ferndale

A Ferndale personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,508 residents. Because pricing is borrower-level, two people in Ferndale can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Ferndale loan but raises total interest, so the smallest payment is not the cheapest loan.

Ferndale: area, density and distance

Ferndale's land area is about 0.4 square miles; a further 0.03 square miles is water. That land carries about 3,867 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 201 miles away. Within 50 miles of Ferndale there are 72 larger Census places. The 100-mile radius contains 252 larger places.

Pennsylvania rules behind a Ferndale personal loan

Read the table as a lender's compliance picture for Ferndale: the rule, the sourced figure, the publisher and the date.