Arendtsville at a glance
- Population: 881 residents, the 631st-largest of 1,013 places in Pennsylvania (US Census Bureau, Vintage 2023).
- 2020 Census base: 868 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population rose about 1.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Pennsylvania places: 631st of 1,013 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 38% of Pennsylvania's Census places by population (US Census Bureau).
- Coordinates: 39.9233 latitude, -77.2999 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Biglerville, PA (3 mi); Gettysburg, PA (7 mi); Bonneauville, PA (12 mi); Carroll Valley, PA (13 mi); New Oxford, PA (14 mi) (US Census Bureau populations).
- Smaller places close by: Bendersville, PA (5 mi); Fairfield, PA (10 mi); York Springs, PA (11 mi) (US Census Bureau).
What a personal loan costs in Arendtsville
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Pennsylvania lending rules that apply in Arendtsville
The Pennsylvania rate caps and licensing rules that reach Arendtsville are listed below, each with its source and retrieval date.
| 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 Arendtsville
Here is a short checklist for comparing personal loans in Arendtsville:
- 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.