Hummelstown at a glance
- Population: the Census estimates 4,505 residents, ranking 217th of 1,013 places in Pennsylvania (Vintage 2023).
- 2020 Census base: 4,541 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 0.8% below the 2020 Census base (US Census Bureau).
- Rank among Pennsylvania places: 217th largest of 1,013 (US Census Bureau).
- Size percentile: it exceeds roughly 79% of Pennsylvania's Census places by population (US Census Bureau).
- Coordinates: 40.2653 / -76.7129, per the US Census Bureau Gazetteer.
- Nearest larger cities: Middletown, PA (5 mi); Steelton, PA (7 mi); Palmyra, PA (7 mi); New Cumberland, PA (9 mi); Harrisburg, PA (9 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Highspire, PA (5 mi); Royalton, PA (6 mi); Paxtang, PA (6 mi), per US Census Bureau estimates.
What a personal loan costs in Hummelstown
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Pennsylvania lending rules that apply in Hummelstown
The table lists the Pennsylvania rules that apply to a loan made in Hummelstown, each with the regulator that published it.
| 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 Hummelstown
Here is a short checklist for comparing personal loans in Hummelstown:
- 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.