Langhorne at a glance
- Population: the Census estimates 1,624 residents, ranking 479th of 1,013 places in Pennsylvania (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 1,641 residents here (US Census Bureau).
- 2020 to 2023 change: about 1.0% below the 2020 Census base (US Census Bureau).
- Rank among Pennsylvania places: 479th-largest of 1,013 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 53% of the Census places in Pennsylvania (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.1775, -74.9234.
- Nearest larger cities (within 120 miles): Penndel, PA (2 mi); Newtown, PA (4 mi); Yardley, PA (6 mi); Bristol, PA (6 mi); Tullytown, PA (6 mi) (US Census Bureau populations).
- Smaller towns nearby: Langhorne Manor, PA (1 mi); Hulmeville, PA (3 mi); Bryn Athyn, PA (8 mi) (US Census Bureau).
What a personal loan costs in Langhorne
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Pennsylvania lending rules that apply in Langhorne
The table carries the Pennsylvania rate and licensing rules that apply to consumer loans made in Langhorne.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 Langhorne
The order below is a sensible way to approach a loan in Langhorne:
- 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.