Personal loans in Narberth, PA
For a borrower among the roughly 4,488 residents of Narberth, a personal loan is a tool whose cost turns on the terms, not the address.
If debt is already a strain, a nonprofit credit counsellor can help Narberth residents before they take on more. The Census estimates 4,488 residents in Narberth, which ranks it 220th of 1,013 places in Pennsylvania. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Narberth's 4,488 residents. Population in Narberth dropped about 0.1% over the three years from 2020 to 2023. The nearest larger metro is Lansdowne, PA about 5 miles away.
What the Census records for Narberth
The figures below are Narberth's own — Census population, land area and coordinates — followed by the Pennsylvania rules.
- Population: a Census-estimated 4,488, 220th among Pennsylvania's 1,013 places (Vintage 2023).
- Population trend: About 0.1% below the 2020 Census base.
- Net change: roughly 5 fewer people than the 2020 Census counted.
- Size percentile: roughly 78% of Pennsylvania's places have fewer residents than Narberth's 4,488.
- Land and density: 0.5 square miles of land carry roughly 8,922 residents per square mile.
- By land area: Narberth ranks 732nd among Pennsylvania's 1,013 places, at 0.5 sq mi.
- State population share: Narberth accounts for about 0.1% of everyone in Pennsylvania.
- National rank: Narberth is 5,152nd of 19,457 places nationwide.
- Growth rank: Narberth's 2020-to-2023 change ranks 259th of 1,013 places in Pennsylvania.
- State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Narberth's 0.1%.
- Density in Pennsylvania: Narberth ranks 17th by people per square mile.
- Density vs Pennsylvania: Narberth's 8,922 people per square mile compare with a state median of 1,990.
- Location: latitude 40.0077, longitude -75.2635 (Census Gazetteer).
- Nearest larger cities: Lansdowne (5 mi); Yeadon (5 mi); Conshohocken (5 mi); Clifton Heights (6 mi); Darby (6 mi). Living near a larger metro rarely changes what is available in Narberth.
- Smaller towns nearby: Millbourne (3 mi); East Lansdowne (4 mi); West Conshohocken (5 mi).
- Smaller neighbours: 138 places smaller than Narberth sit within 50 miles.
- At 100 miles: 380 larger Census places fall inside that radius.
Which Pennsylvania laws govern a loan in Narberth
Every row below records a Pennsylvania rule, its publisher and its retrieval date — the same rules a Narberth 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 |
| 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 Narberth personal loan
With roughly 4,488 residents, Narberth is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Narberth can be quoted different APRs on the same amount and term. Shortening the term on a Narberth loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Land, water and location for Narberth
The Census Gazetteer records about 0.5 square miles of land within Narberth, with no significant water area listed. That land carries about 8,922 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 7 miles away. Within 50 miles of Narberth there are 98 larger Census places. By land area it ranks 732nd of 1,013 Pennsylvania places.
Where Narberth sits in Pennsylvania
Among Pennsylvania's 1,013 places, Narberth sits at 220th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Narberth stands 259th among Pennsylvania's 1,013 places — roughly the 74th percentile. At about 8,922 people per square mile, Narberth is the 17th most densely settled place in Pennsylvania. In land area, Narberth ranks 732nd among Pennsylvania's 1,013 places.
A practical checklist for Narberth borrowers
For Narberth's roughly 4,488 residents, these are the steps that most influence the offer:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Use the loan calculator to test the payment on your intended amount and term.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Check the Pennsylvania regulator's records to confirm the lender is licensed here.
- Decide the purpose and how you will repay it before approaching any lender.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Look for an origination fee or prepayment penalty in the written disclosure.
The process is identical across Pennsylvania; what changes is your credit file, not the fact that Narberth holds 4,488 people.
Common questions
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Nearby places
- Millbourne, PA — population 1,202
- East Lansdowne, PA — population 2,687
- Lansdowne, PA — population 11,077
- Yeadon, PA — population 12,247
- Conshohocken, PA — population 9,256
- West Conshohocken, PA — population 1,495
- Clifton Heights, PA — population 6,796
- Darby, PA — population 10,614