Personal loans in Fleetwood, PA
Which products a lender may offer to Fleetwood's 4,046 residents follows from the Pennsylvania consumer-lending framework. Fleetwood is home to roughly 4,046 people and stands 253rd by size out of 1,013 Census places in Pennsylvania.
Fleetwood is a small community in Pennsylvania, with an estimated 4,046 residents, and every licensed lender here follows the same state rulebook. Census figures put the 2020-to-2023 decrease in Fleetwood at about 0.1%. If debt is already a strain, a nonprofit credit counsellor can help Fleetwood residents before they take on more. The next larger city is Kutztown, PA about 5 miles away.
Fleetwood: the sourced local profile
Here is the sourced Census picture for Fleetwood, plus the Pennsylvania lending rules that apply to a loan taken out here.
- Population: 4,046 residents; Fleetwood is the 253rd-largest of 1,013 places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: A decline of about 0.1% across the 2020-to-2023 comparison.
- Change in people: the 2020-to-2023 comparison is a loss of about 4 residents.
- Size percentile: about 75% of Pennsylvania communities are smaller than Fleetwood (4,046 residents).
- Density: the Census land area of 1.0 sq mi holds about 3,875 people per square mile.
- Land area: Fleetwood covers 1.0 square miles, the 421st-largest area among Pennsylvania's 1,013 places.
- State share: roughly 0.1% of Pennsylvania's residents live in Fleetwood (4,046 people).
- National standing: Fleetwood ranks 5,425th of 19,457 US places.
- Growth in Pennsylvania: Fleetwood stands 256th by percentage change from 2020 to 2023, among 1,013 places.
- Against the state trend: Fleetwood's 0.1% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density rank: Fleetwood is the 203rd most densely settled place in Pennsylvania.
- Density in context: Fleetwood's 3,875 people per square mile sit against a Pennsylvania median of 1,990.
- Location: mapped by the US Census Bureau at 40.4565, -75.8216.
- Nearest larger cities: Kutztown (5 mi); Laureldale (7 mi); Reading (10 mi); West Reading (11 mi); Hamburg (11 mi). Living near a larger metro rarely changes what is available in Fleetwood.
- Smaller places nearby: Lyons (4 mi); Topton (7 mi); Leesport (8 mi).
- Smaller neighbours: 152 places smaller than Fleetwood sit within 50 miles.
- Within 100 miles: 364 places are larger than Fleetwood.
What Pennsylvania law requires in Fleetwood
This table holds the Pennsylvania rate and licensing rules for consumer loans made to Fleetwood's 4,046 residents.
| 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 |
| 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 |
| 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 |
Inside a Fleetwood personal loan
Fleetwood is a small community of about 4,046 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Fleetwood can be quoted different APRs on the same amount and term. The term you choose in Fleetwood decides the split between a comfortable payment and the total interest you pay.
Getting a loan in Fleetwood
Fleetwood is a fairly dense community of about 4,046 people, with 97 larger places inside a 50-mile radius. Whether Fleetwood has a local branch or not, a Pennsylvania-licensed lender can serve its 4,046 people online on the same terms. The nearest bigger place is Kutztown, PA about 5 miles away.
Land, water and location for Fleetwood
Fleetwood covers about 1.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 3,875 people per square mile. Philadelphia, the largest place in Pennsylvania, is about 48 miles from Fleetwood. Fleetwood has 97 larger places within a 50-mile radius. The 100-mile radius contains 364 larger places.
Fleetwood against the rest of Pennsylvania
Fleetwood is the 253rd-largest of 1,013 Census places in Pennsylvania and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Fleetwood stands 256th among Pennsylvania's 1,013 places — roughly the 75th percentile. At about 3,875 people per square mile, Fleetwood is the 203rd most densely settled place in Pennsylvania. In land area, Fleetwood ranks 421st among Pennsylvania's 1,013 places.
Common questions
What are my options in Fleetwood if my credit is poor?
What loan size can I expect in Fleetwood?
Do I have to pledge anything to borrow in Fleetwood?
Does comparing loans in Fleetwood cost me credit score points?
Nearby places
- Lyons, PA — population 442
- Kutztown, PA — population 4,164
- Laureldale, PA — population 4,286
- Topton, PA — population 2,038
- Lenhartsville, PA — population 178
- St. Lawrence, PA — population 1,890
- Mount Penn, PA — population 3,235
- Leesport, PA — population 1,946