Personal loans in Franklin Park, PA

With an estimated 15,024 residents, Franklin Park is the 37th-largest of 1,013 places in Pennsylvania. With roughly 15,024 residents, Franklin Park is a small town, and the lending rules its borrowers live under are written in Pennsylvania, not by the city. Rate-shopping from Franklin Park costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Every figure below is Pennsylvania's own, applied to Franklin Park's 15,024 residents, with the publisher and retrieval date attached. A 2020-to-2023 comparison shows Franklin Park down by about 3.0%. Borrowers who want a bigger city can look to Pittsburgh, PA about 12 miles away.

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

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Franklin Park: population, trend and location

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

Population: 15,024 — Franklin Park ranks 37th of 1,013 communities in Pennsylvania (US Census Bureau, Vintage 2023).
Population trend: A drop of about 3.0% from 2020 to 2023.
Change in people: the 2020-to-2023 comparison is a loss of about 466 residents.
Size percentile: Franklin Park's 15,024 people outrank roughly 96% of the places in Pennsylvania.
Population density: about 1,110 people per square mile (Census land area 13.5 sq mi).
By land area: Franklin Park ranks 22nd among Pennsylvania's 1,013 places, at 13.5 sq mi.
State share: roughly 0.3% of Pennsylvania's residents live in Franklin Park (15,024 people).
National standing: Franklin Park ranks 2,347th of 19,457 US places.
Growth rank: Franklin Park ranks 895th among Pennsylvania's 1,013 places for the 2020-to-2023 change.
Versus Pennsylvania: the state average change is -0.9%, while Franklin Park moved 3.0%.
Density in Pennsylvania: Franklin Park ranks 701st by people per square mile.
Density vs Pennsylvania: Franklin Park's 1,110 people per square mile compare with a state median of 1,990.
Location: mapped by the US Census Bureau at 40.5921, -80.0987.
Nearest larger cities: Pittsburgh (12 mi); Baldwin (17 mi); Bethel Park (19 mi); West Mifflin (19 mi); Plum (19 mi). Online lenders reach Franklin Park no matter how far the nearest branch is.
Smaller communities close by: Sewickley Hills (2 mi); Bradford Woods (3 mi); Sewickley Heights (4 mi), each with its own Census population profile.
Within a 50-mile radius: 323 smaller Census places.
At 100 miles: 54 larger Census places fall inside that radius.

How lenders reach Franklin Park

With about 1,110 residents per square mile, Franklin Park is moderately settled, and 14 larger Census places sit within 50 miles. A Pennsylvania licence lets a lender serve Franklin Park without a local office, so branch density does not change what its 15,024 residents are offered. For a larger market, the closest option is Pittsburgh, PA about 12 miles away.

The anatomy of a Franklin Park personal loan

Most loans made to Franklin Park's 15,024 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Franklin Park's rank of 37th in Pennsylvania: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Franklin Park loan but raises total interest, so the smallest payment is not the cheapest loan.

What to do before borrowing in Franklin Park

A sensible order of operations for a loan in Franklin Park, home to about 15,024 people:

Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
Use the loan calculator to test the payment on your intended amount and term.
Line up several pre-qualified offers and let the APR decide.
Verify the lender's Pennsylvania licence with the regulator listed on this page.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Be clear on what the loan is for and how it gets repaid.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

The process is identical across Pennsylvania; what changes is your credit file, not the fact that Franklin Park holds 15,024 people.

Franklin Park: area, density and distance

Franklin Park's land area is roughly 13.5 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,110 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 265 miles. A 50-mile radius around Franklin Park takes in 14 places that are larger. The 100-mile radius contains 54 larger places.

Pennsylvania rules behind a Franklin Park personal loan

Every row below records a Pennsylvania rule, its publisher and its retrieval date — the same rules a Franklin Park lender must follow.

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

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Common questions

What are my options in Franklin Park 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 Franklin Park is the same as anywhere in Pennsylvania.

What loan size can I expect in Franklin Park?

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 Franklin Park?

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 Franklin Park 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

Sewickley Hills, PA — population 688
Bradford Woods, PA — population 1,144
Sewickley Heights, PA — population 829
Bell Acres, PA — population 1,465
Emsworth, PA — population 2,426
Glenfield, PA — population 202
Ben Avon Heights, PA — population 385
Haysville, PA — population 79