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.
What the Census records for Richland
The figures below are Richland's own — Census population, land area and coordinates — followed by the Pennsylvania rules.
- Population: 1,502 — Richland ranks 493rd of 1,013 communities in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: A rise of about 0.5% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 7 residents.
- Size percentile: about 51% of Pennsylvania's Census places are smaller than Richland.
- Population density: about 1,084 people per square mile across 1.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Richland covers 1.4 square miles, the 328th-largest area among Pennsylvania's 1,013 places.
- Share of Pennsylvania: Richland holds about 0.0% of the state's population, some 1,502 people.
- National rank: Richland sits 8,684th by population among the 19,457 places in this dataset.
- Growth in Pennsylvania: Richland stands 161st by percentage change from 2020 to 2023, among 1,013 places.
- State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Richland's 0.5%.
- Density rank: Richland is the 712th most densely settled place in Pennsylvania.
- Density in context: Richland's 1,084 people per square mile sit against a Pennsylvania median of 1,990.
- Location: 40.3574 / -76.2569, per the US Census Bureau Gazetteer.
- Nearest larger cities: Myerstown (3 mi); Womelsdorf (4 mi); Robesonia (6 mi); Lebanon (9 mi); Wernersville (9 mi). Online lenders reach Richland no matter how far the nearest branch is.
- Smaller towns nearby: Bernville (9 mi); Mount Gretna (14 mi); Centerport (16 mi).
- Within a 50-mile radius: 80 smaller Census places.
- Larger places within 100 miles: 437.
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.
| 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 |
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.
Common questions
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What loan size can I expect in Richland?
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Nearby places
- Myerstown, PA — population 3,109
- Womelsdorf, PA — population 2,884
- Robesonia, PA — population 2,139
- Bernville, PA — population 902
- Lebanon, PA — population 26,378
- Denver, PA — population 3,758
- Wernersville, PA — population 2,770
- Cornwall, PA — population 4,622