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Personal loans in Red Lion, PA

Borrowers in Red Lion use personal loans to consolidate balances or cover a one-time cost, and the terms depend on your credit, income and existing obligations. Red Lion has a Census-estimated population of 6,487, ranking 134th among the 1,013 Census places in Pennsylvania. Lenders in Pennsylvania work under state rate caps and licensing rules, each listed with its publisher in the table below.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Red Lion at a glance

  • Population: 6,487 (US Census Bureau, Vintage 2023 subcounty estimate), the 134th-largest of 1,013 places in Pennsylvania.
  • 2020 Census base: 6,511 people (US Census Bureau, 2020 Census count).
  • 2020 to 2023 change: down about 0.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
  • Rank among Pennsylvania places: 134th out of 1,013 Census places (US Census Bureau).
  • Size percentile: about 87% of places in Pennsylvania are smaller (US Census Bureau).
  • Coordinates: latitude 39.8986, longitude -76.6077 (US Census Bureau Gazetteer).
  • Nearest larger cities: York, PA (8 mi); Columbia, PA (11 mi); Millersville, PA (15 mi); Mount Joy, PA (16 mi); Elizabethtown, PA (18 mi); each population is a US Census Bureau estimate.
  • Smaller places nearby: Yoe, PA (2 mi); Windsor, PA (2 mi); Dallastown, PA (2 mi), per US Census Bureau estimates.

What a personal loan costs in Red Lion

A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.

APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.

A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.

Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.

Pennsylvania lending rules that apply in Red Lion

The Pennsylvania rate caps and licensing rules that reach Red Lion are listed below, each with its source and retrieval date.

RuleDetailSource
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
Small-loan / installment lender licensingConsumer 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 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
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

How to compare offers in Red Lion

Before you commit to a personal loan in Red Lion, work through these steps:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Pennsylvania using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Red Lion?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Red Lion are the same as elsewhere in Pennsylvania.
How much can I borrow with a personal loan in Red Lion?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Red Lion require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Red Lion hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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