Personal loans in Freemansburg, PA
Freemansburg is a small community of about 2,894 residents, and a personal loan taken out here is governed by Pennsylvania statute.
Decide the purpose of the loan and your repayment plan before sharing any details with a Freemansburg lender. By population, Freemansburg sits at 329th in Pennsylvania, with an estimated 2,894 residents. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Freemansburg's 2,894 residents. Census figures put the 2020-to-2023 increase in Freemansburg at about 0.7%. For a bigger market, look to Bethlehem, PA about 1 miles away.
Freemansburg by the numbers
Freemansburg is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 2,894 — Freemansburg ranks 329th of 1,013 communities in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: A gain of roughly 0.7% between 2020 and 2023.
- People gained or lost: about 20 more since the 2020 base.
- Size percentile: Freemansburg's 2,894 people outrank roughly 68% of the places in Pennsylvania.
- Population density: about 4,152 people per square mile (Census land area 0.7 sq mi).
- Land area rank: Freemansburg's 0.7 square miles rank 602nd of 1,013 places in Pennsylvania.
- Water: Freemansburg holds about 0.05 square miles, the 234th-largest water area in Pennsylvania.
- Share of state population: Freemansburg's 2,894 residents are about 0.1% of Pennsylvania.
- National rank: Freemansburg sits 6,390th by population among the 19,457 places in this dataset.
- Growth in Pennsylvania: Freemansburg stands 122nd by percentage change from 2020 to 2023, among 1,013 places.
- Against the state trend: Freemansburg's 0.7% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density rank: Freemansburg places 176th among Pennsylvania's places by people per square mile.
- Against the state median: Freemansburg runs about 4,152 residents per square mile, where the Pennsylvania median is 1,990.
- Location: 40.6280 / -75.3399, per the US Census Bureau Gazetteer.
- Nearest larger cities: Bethlehem (1 mi); Hellertown (3 mi); Fountain Hill (3 mi); Wilson (6 mi); Catasauqua (7 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller places nearby: Glendon (6 mi); West Easton (6 mi); Bath (7 mi).
- Smaller neighbours: 113 places smaller than Freemansburg sit within 50 miles.
- Larger places within 100 miles: 528.
The state rulebook for Freemansburg
When Pennsylvania does not publish a figure, the row links to the source instead of inventing a number; Freemansburg is bound by the same rules.
| 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 |
A practical checklist for Freemansburg borrowers
Complete these steps first when you borrow in Freemansburg (2,894 residents):
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Line up several pre-qualified offers and let the APR decide.
- Check the Pennsylvania regulator's records to confirm the lender is licensed here.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Write down the purpose of the loan and your repayment plan before you apply.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
In Freemansburg as elsewhere in Pennsylvania, the written terms — not the advertisement — are what count for its 2,894 residents.
Freemansburg: area, density and distance
Freemansburg covers about 0.7 square miles of land, with 0.05 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 4,152 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 44 miles away. Freemansburg has 132 larger places within a 50-mile radius. Within the same 50 miles lie 113 smaller Census places.
How Freemansburg compares across Pennsylvania
Freemansburg is the 329th-largest of 1,013 Census places in Pennsylvania and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Freemansburg stands 122nd among Pennsylvania's 1,013 places — roughly the 88th percentile. By density, at about 4,152 people per square mile, it ranks 176th in Pennsylvania. By land area, its 0.7 square miles rank 602nd of 1,013 places in Pennsylvania.
How lenders reach Freemansburg
At roughly 4,152 people per square mile, Freemansburg is fairly dense; 132 larger places lie within 50 miles. What is available to Freemansburg's 2,894 borrowers is set by Pennsylvania licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Bethlehem, PA about 1 miles away.
Common questions
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What loan size can I expect in Freemansburg?
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Does comparing loans in Freemansburg cost me credit score points?
Nearby places
- Bethlehem, PA — population 78,300
- Hellertown, PA — population 6,117
- Fountain Hill, PA — population 4,798
- Glendon, PA — population 368
- Bath, PA — population 2,879
- Wilson, PA — population 8,135
- Nazareth, PA — population 6,061
- West Easton, PA — population 1,241