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.

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.

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.

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.

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

A practical checklist for Freemansburg borrowers

Complete these steps first when you borrow in Freemansburg (2,894 residents):

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Check the Pennsylvania regulator's records to confirm the lender is licensed here.
  5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  6. Write down the purpose of the loan and your repayment plan before you apply.
  7. 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.

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