Personal loans in Telford, PA

With an estimated 4,896 residents, Telford is the 198th-largest of 1,013 places 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.

With roughly 4,896 residents, Telford is a small community, and the lending rules its borrowers live under are written in Pennsylvania, not by the city. Begin with the payment, then weigh APR and total interest across the lenders that reach Telford's 4,896 residents. A lender that serves Telford operates under Pennsylvania lending statutes and a Pennsylvania supervisor. Census figures put the 2020-to-2023 decrease in Telford at about 0.7%. Borrowers who want a bigger city can look to Souderton, PA about 1 miles away.

Telford: the sourced local profile

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

Where Telford sits

Inside Telford's boundaries lie about 1.0 square miles of land, with no significant water area recorded. That land carries about 4,862 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 24 miles away. Counting outward 50 miles, 103 larger communities surround Telford. The 100-mile radius contains 397 larger places.

Which Pennsylvania laws govern a loan in Telford

For the roughly 4,896 residents of Telford, 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

Telford's place among Pennsylvania's 1,013 places

Telford is the 198th-largest of 1,013 Census places in Pennsylvania and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Telford stands 374th among Pennsylvania's 1,013 places — roughly the 63th percentile. Its roughly 4,862 residents per square mile place it 123rd among Pennsylvania's places. Between 2020 and 2023 the count changed by roughly 33 residents.

How lenders reach Telford

With about 4,862 residents per square mile, Telford is fairly dense, and 103 larger Census places sit within 50 miles. A Pennsylvania licence lets a lender serve Telford without a local office, so branch density does not change what its 4,896 residents are offered. The nearest bigger place is Souderton, PA about 1 miles away.

How personal loans work in Telford

In Telford, a small community of about 4,896, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Telford can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Telford loan is knowable in advance — unlike a revolving card balance.

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