Personal loans in Nazareth, PA
With roughly 6,061 residents, Nazareth is a small town, and the lending rules its borrowers live under are written in Pennsylvania, not by the city.
The Census estimates 6,061 residents in Nazareth, which ranks it 144th of 1,013 places in Pennsylvania. Census figures put the 2020-to-2023 increase in Nazareth at about 0.1%. Use the calculator on this page to price an amount and term before you commit in Nazareth. For a bigger market, look to Wilson, PA about 5 miles away. Lenders active in Nazareth report to a Pennsylvania supervisor, identified in the sourced rows below.
Nazareth by the numbers
Most of what governs a Nazareth loan is written in Pennsylvania law rather than in the city; the sourced notes below make that split concrete.
- Population: 6,061 residents; Nazareth is the 144th-largest of 1,013 places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is positive, near 0.1%.
- Net change: roughly 9 more people than the 2020 Census counted.
- Size percentile: about 86% of Pennsylvania's Census places are smaller than Nazareth.
- Density: the Census land area of 1.6 sq mi holds about 3,824 people per square mile.
- By land area: Nazareth ranks 285th among Pennsylvania's 1,013 places, at 1.6 sq mi.
- Water area rank: Nazareth ranks 150th among Pennsylvania's 1,013 places, with 0.08 sq mi.
- State population share: Nazareth accounts for about 0.1% of everyone in Pennsylvania.
- National rank: Nazareth is 4,333rd of 19,457 places nationwide.
- Growth in Pennsylvania: Nazareth stands 205th by percentage change from 2020 to 2023, among 1,013 places.
- Against the state trend: Nazareth's 0.1% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density rank: Nazareth is the 211th most densely settled place in Pennsylvania.
- Density in context: Nazareth's 3,824 people per square mile sit against a Pennsylvania median of 1,990.
- Location: the Census Gazetteer records it at 40.7400, -75.3126.
- Nearest larger cities: Wilson (5 mi); Easton (6 mi); Phillipsburg (8 mi); Bethlehem (8 mi); Catasauqua (10 mi). Larger metros often have more branches, but online lenders reach Nazareth on the same terms.
- Smaller places close by: Stockertown (3 mi); Tatamy (3 mi); Bath (4 mi).
- Smaller neighbours: 186 places smaller than Nazareth sit within 50 miles.
- Larger places within 100 miles: 328.
Before you apply in Nazareth
Before you apply in Nazareth, a community of about 6,061, work through these steps:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Test your amount and term in the personal loan calculator first.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Confirm the lender holds a Pennsylvania licence by checking the regulator named above.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Test the payment against your current bills before you commit.
None of these steps is Nazareth-specific: the same Pennsylvania licensing and disclosure rules reach all 6,061 residents.
How lenders reach Nazareth
Nazareth is fairly dense, with about 3,824 people per square mile and 66 larger places within 50 miles. Whether Nazareth has a local branch or not, a Pennsylvania-licensed lender can serve its 6,061 people online on the same terms. The nearest bigger place is Wilson, PA about 5 miles away.
Where Nazareth sits in Pennsylvania
Nazareth is the 144th-largest of 1,013 Census places in Pennsylvania and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 205th of 1,013 Pennsylvania places, putting it near the 80th percentile for growth. Its roughly 3,824 residents per square mile place it 211th among Pennsylvania's places. Between 2020 and 2023 the count changed by roughly 9 residents.
Pennsylvania consumer-lending rules applied in Nazareth
For the roughly 6,061 residents of Nazareth, the rules below are Pennsylvania's own; each row carries its publisher and retrieval date.
| 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 |
| Small-loan / installment lender licensing | Consumer Discount Company Act license required for non-mortgage consumer loans above 6%; licensed lenders may charge up to 24% on loans of $25,000 or less. Source says: "A consumer discount company is a business corporation that negotiates or makes non-mortgage loans or advances of money on credit." | 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 |
Land, water and location for Nazareth
Inside Nazareth's boundaries lie roughly 1.6 square miles of land and 0.08 square miles of water. With 6,061 residents, the land area yields roughly 3,824 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 51 miles away. Counting outward 50 miles, 66 larger communities surround Nazareth. The 100-mile radius contains 328 larger places.
Common questions
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Nearby places
- Stockertown, PA — population 913
- Tatamy, PA — population 1,407
- Bath, PA — population 2,879
- Wilson, PA — population 8,135
- Chapman, PA — population 220
- West Easton, PA — population 1,241
- Easton, PA — population 29,538
- Glendon, PA — population 368