Personal loans in Richland, PA

State law, not city hall, decides what a lender may do to Richland's roughly 1,502 residents, and a state regulator supervises it. A lender serving Richland holds a Pennsylvania licence and answers to a Pennsylvania regulator; no city office is involved for its 1,502 residents. About 1,502 people live in Richland, placing it 493rd of 1,013 Census places in Pennsylvania. Census figures put the 2020-to-2023 increase in Richland at about 0.5%. Price two or three terms so you can see which payment is truly affordable in Richland. The nearest larger metro is Myerstown, PA about 3 miles away.

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.

What the Census records for Richland

The figures below are Richland's own — Census population, land area and coordinates — followed by the Pennsylvania rules.

Which Pennsylvania laws govern a loan in Richland

For the roughly 1,502 residents of Richland, the rules below are Pennsylvania's own; each row carries its publisher and retrieval date.

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

Getting a loan in Richland

Richland is moderately settled, with about 1,084 people per square mile and 150 larger places within 50 miles. Distance to a branch rarely matters for Richland's 1,502 residents: the application is online and the price follows your credit file. The nearest larger city, Myerstown, PA about 3 miles away.

How Richland compares across Pennsylvania

Within Pennsylvania, Richland holds roughly 0.0% of all residents, the 493rd-largest share among 1,013 places. Its 2020-to-2023 change ranks 161st of 1,013 Pennsylvania places, putting it near the 84th percentile for growth. At about 1,084 people per square mile, Richland is the 712th most densely settled place in Pennsylvania. In land area, Richland ranks 328th among Pennsylvania's 1,013 places.

How a Richland personal loan is priced

Most loans made to Richland's 1,502 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Richland. The term you choose in Richland decides the split between a comfortable payment and the total interest you pay.

Land, water and location for Richland

Richland covers about 1.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 1,084 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 64 miles away. A 50-mile radius around Richland takes in 150 places that are larger. Within the same 50 miles lie 80 smaller Census places.

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