Personal loans in Flemington, PA

Personal loans in Flemington are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 1,263 population.

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

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.

State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Flemington's 1,263 residents. With 1,263 residents, Flemington outranks about 46% of the communities in Pennsylvania. Read the disclosure for an origination fee and any prepayment penalty before signing in Flemington. Population in Flemington dropped about 0.6% over the three years from 2020 to 2023. A larger market lies at Lock Haven, PA about 1 miles away.

Where Flemington stands

Set out below is Flemington's local context next to the state-level rules that reach every lender here.

Flemington's place among Pennsylvania's 1,013 places

Against Pennsylvania's other places, Flemington accounts for about 0.0% of the state's population and ranks 543rd of 1,013 by size. Its 2020-to-2023 change ranks 370th of 1,013 Pennsylvania places, putting it near the 63th percentile for growth. At about 2,770 people per square mile, Flemington is the 356th most densely settled place in Pennsylvania. Within 50 miles sit 42 smaller Census places, alongside the 32 that are larger.

What is available to Flemington borrowers

At roughly 2,770 people per square mile, Flemington is fairly dense; 32 larger places lie within 50 miles. Lenders licensed in Pennsylvania reach Flemington's 1,263 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Lock Haven, PA about 1 miles away.

Flemington on the map

Inside Flemington's boundaries lie about 0.5 square miles of land, with no significant water area recorded. Spread across it are roughly 2,770 residents per square mile. The largest place in Pennsylvania, Philadelphia, lies about 145 miles away. Within 50 miles of Flemington there are 32 larger Census places. Within the same 50 miles lie 42 smaller Census places.

Which Pennsylvania laws govern a loan in Flemington

This table holds the Pennsylvania rate and licensing rules for consumer loans made to Flemington's 1,263 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
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 statusNo 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

The anatomy of a Flemington personal loan

Flemington is a small community of about 1,263 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Flemington's 1,263 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Flemington loan is knowable in advance — unlike a revolving card balance.

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

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