Landisburg at a glance
- Population: roughly 223 people; 913th of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 220 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: an increase of about 1.4% since the 2020 count (US Census Bureau).
- Rank among Pennsylvania places: 913th of 1,013 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 10% of Pennsylvania's places have fewer residents (US Census Bureau).
- Coordinates: 40.3430, -77.3056 (US Census Bureau Gazetteer).
- Nearest larger cities: Bloomfield, PA (8 mi); Blain, PA (11 mi); Carlisle, PA (11 mi); Newville, PA (13 mi); Newport, PA (13 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: New Buffalo, PA (19 mi); Orrstown, PA (25 mi); Newton Hamilton, PA (28 mi) (US Census Bureau).
What a personal loan costs in Landisburg
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Pennsylvania lending rules that apply in Landisburg
The sourced rows below are the rules a licensed lender must follow when lending in Pennsylvania, and therefore in Landisburg.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Landisburg
The order below is a sensible way to approach a loan in Landisburg:
- 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.