Bechtelsville at a glance
- Population: 874 people, the 633rd-largest place among Pennsylvania's 1,013 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 875 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 0.1% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Pennsylvania places: 633rd largest of 1,013 (US Census Bureau).
- Size percentile: it is larger than about 38% of the places in Pennsylvania (US Census Bureau).
- Coordinates: 40.3702, -75.6308 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Boyertown, PA (3 mi); Bally, PA (3 mi); East Greenville, PA (7 mi); Pennsburg, PA (7 mi); Red Hill, PA (8 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Green Lane, PA (9 mi); Lyons, PA (10 mi); New Morgan, PA (19 mi), per US Census Bureau estimates.
What a personal loan costs in Bechtelsville
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Pennsylvania lending rules that apply in Bechtelsville
The Pennsylvania rate caps and licensing rules that reach Bechtelsville are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| Small-loan / installment lender licensing | Consumer Discount Company Act license required for non-mortgage consumer loans above 6%; licensed lenders may charge up to 24% on loans of $25,000 or less. Source says: "A consumer discount company is a business corporation that negotiates or makes non-mortgage loans or advances of money on credit." | Pennsylvania Department of Banking and Securities as of 2026-09-16 |
| 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 |
| 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 |
How to compare offers in Bechtelsville
The order below is a sensible way to approach a loan in Bechtelsville:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Pennsylvania using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.