Personal loans in Swarthmore, PA

Population in Swarthmore dropped about 0.2% over the three years from 2020 to 2023. Verify the lender's Pennsylvania licence against the regulator named below before borrowing in Swarthmore. To lend to Swarthmore's 6,536 residents, a company must hold a Pennsylvania licence, and each sourced row below names the regulator behind it. For a bigger market, look to Ridley Park, PA about 2 miles away.

Swarthmore: population, trend and location

Here is the sourced Census picture for Swarthmore, plus the Pennsylvania lending rules that apply to a loan taken out here.

• Population: a Census-estimated 6,536, 131st among Pennsylvania's 1,013 places (Vintage 2023).
• Population trend: A drop of about 0.2% from 2020 to 2023.
• People gained or lost: about 10 fewer since the 2020 base.
• Size percentile: Swarthmore's 6,536 people outrank roughly 87% of the places in Pennsylvania.
• Population density: about 4,669 people per square mile (Census land area 1.4 sq mi).
• By land area: Swarthmore ranks 323rd among Pennsylvania's 1,013 places, at 1.4 sq mi.
• Within Pennsylvania: about 0.1% of the state's population lives in Swarthmore.
• National standing: Swarthmore ranks 4,158th of 19,457 US places.
• Growth rank: Swarthmore's 2020-to-2023 change ranks 269th of 1,013 places in Pennsylvania.
• Against the state trend: Swarthmore's 0.2% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
• Density rank: Swarthmore places 142nd among Pennsylvania's places by people per square mile.
• Against the state median: Swarthmore runs about 4,669 residents per square mile, where the Pennsylvania median is 1,990.
• Location: the Census Gazetteer records it at 39.9023, -75.3487.
• Nearest larger cities: Ridley Park (2 mi); Glenolden (3 mi); Brookhaven (3 mi); Clifton Heights (3 mi); Collingdale (4 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller towns: Rutledge (1 mi); Morton (1 mi); Rose Valley (2 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 163 smaller Census places.
• Larger places within 100 miles: 235.

Steps to take before a Swarthmore loan

Before you apply in Swarthmore, a community of about 6,536, work through these steps:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Model the payment on the calculator before a lender models it for you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Confirm the Pennsylvania licence with the regulator named above before committing.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

None of these steps is Swarthmore-specific: the same Pennsylvania licensing and disclosure rules reach all 6,536 residents.

Getting a loan in Swarthmore

Swarthmore is fairly dense, with about 4,669 people per square mile and 63 larger places within 50 miles. Lenders licensed in Pennsylvania reach Swarthmore's 6,536 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Ridley Park, PA about 2 miles away.

Inside a Swarthmore personal loan

Swarthmore is a small town of about 6,536 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Swarthmore's 6,536 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Swarthmore decides the split between a comfortable payment and the total interest you pay.

Where Swarthmore sits in Pennsylvania

Swarthmore is the 131st-largest of 1,013 Census places in Pennsylvania and contains about 0.1% of the state's people. For population change between 2020 and 2023, Swarthmore ranks 269th of 1,013 in Pennsylvania (about the 73th percentile). By density, at about 4,669 people per square mile, it ranks 142nd in Pennsylvania. Within 50 miles sit 163 smaller Census places, alongside the 63 that are larger.

Pennsylvania consumer-lending rules applied in Swarthmore

When Pennsylvania does not publish a figure, the row links to the source instead of inventing a number; Swarthmore is bound by the same rules.