Langhorne Manor at a glance
- Population: 1,491 people, the 498th-largest place among Pennsylvania's 1,013 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,502 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 0.7% below the 2020 Census base (US Census Bureau).
- Rank among Pennsylvania places: the 498th-largest of 1,013 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 51% of the places in Pennsylvania (US Census Bureau).
- Coordinates: 40.1660, -74.9183 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Penndel, PA (1 mi); Langhorne, PA (1 mi); Newtown, PA (4 mi); Bristol, PA (6 mi); Tullytown, PA (6 mi) (US Census Bureau populations).
- Smaller places nearby: Hulmeville, PA (2 mi); Bryn Athyn, PA (8 mi); Ivyland, PA (9 mi), per US Census Bureau estimates.
What a personal loan costs in Langhorne Manor
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Langhorne Manor
The table carries the Pennsylvania rate and licensing rules that apply to consumer loans made in Langhorne Manor.
| 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 Langhorne Manor
The order below is a sensible way to approach a loan in Langhorne Manor:
- 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.