Personal loans in Silverdale, PA

Silverdale is a small community in Pennsylvania, with an estimated 798 residents, and every licensed lender here follows the same state rulebook. With 798 residents, Silverdale outranks about 36% of the communities in Pennsylvania.

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.

Verify the lender's Pennsylvania licence against the regulator named below before borrowing in Silverdale. Census figures put the 2020-to-2023 decrease in Silverdale at about 1.0%. Every figure below is Pennsylvania's own, applied to Silverdale's 798 residents, with the publisher and retrieval date attached. The closest larger city is Perkasie, PA about 2 miles away.

What the Census records for Silverdale

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

The anatomy of a Silverdale personal loan

Most loans made to Silverdale's 798 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 Silverdale. Shortening the term on a Silverdale loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What is available to Silverdale borrowers

At roughly 1,932 people per square mile, Silverdale is moderately settled; 255 larger places lie within 50 miles. Lenders licensed in Pennsylvania reach Silverdale's 798 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Perkasie, PA about 2 miles away.

Where Silverdale sits in Pennsylvania

Among Pennsylvania's 1,013 places, Silverdale sits at 653rd for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 452nd of 1,013 Pennsylvania places, putting it near the 55th percentile for growth. At about 1,932 people per square mile, Silverdale is the 524th most densely settled place in Pennsylvania. The population moved by about 8 people between 2020 and 2023, a 1.0% shift.

The Pennsylvania lending rules that reach Silverdale

This table holds the Pennsylvania rate and licensing rules for consumer loans made to Silverdale's 798 residents.

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
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
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

Where Silverdale sits

The Census Gazetteer records about 0.4 square miles of land within Silverdale, with no significant water area listed. The resulting density is about 1,932 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 24 miles away. Within 50 miles of Silverdale there are 255 larger Census places. The 100-mile radius contains 789 larger 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 Silverdale 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 Silverdale is the same as anywhere in Pennsylvania.
What loan size can I expect in Silverdale?
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 Silverdale?
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 Silverdale 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.

Nearby places

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