Personal loans in Baden, PA
A lender serving Baden holds a Pennsylvania licence and answers to a Pennsylvania regulator; no city office is involved for its 3,809 residents. By population, Baden sits at 268th in Pennsylvania, with an estimated 3,809 residents. Price two or three terms so you can see which payment is truly affordable in Baden. Census figures put the 2020-to-2023 decrease in Baden at about 2.3%. When Pennsylvania caps or restricts a product, lenders either change the terms or withdraw it from Baden as from the rest of the state. The nearest larger metro is Economy, PA about 2 miles away.
Where Baden stands
The figures below are Baden's own — Census population, land area and coordinates — followed by the Pennsylvania rules.
- Population: 3,809 residents; Baden is the 268th-largest of 1,013 places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: Roughly 2.3% fewer residents than the 2020 Census counted.
- Net change: roughly 91 fewer people than the 2020 Census counted.
- Size percentile: Baden sits ahead of around 74% of Pennsylvania places, at 3,809 people.
- Land and density: 2.3 square miles of land carry roughly 1,685 residents per square mile.
- Land area: Baden covers 2.3 square miles, the 179th-largest area among Pennsylvania's 1,013 places.
- Water area: Baden has 0.22 square miles of water, ranking 51st of 1,013 places in Pennsylvania.
- Within Pennsylvania: about 0.1% of the state's population lives in Baden.
- National standing: Baden ranks 5,574th of 19,457 US places.
- Growth rank: Baden's 2020-to-2023 change ranks 733rd of 1,013 places in Pennsylvania.
- Versus Pennsylvania: the state average change is -0.9%, while Baden moved 2.3%.
- Density in Pennsylvania: Baden ranks 568th by people per square mile.
- Against the state median: Baden runs about 1,685 residents per square mile, where the Pennsylvania median is 1,990.
- Location: it lies at 40.6397, -80.2225 in the Census Gazetteer.
- Nearest larger cities: Economy (2 mi); Aliquippa (2 mi); Ambridge (3 mi); Monaca (4 mi); Beaver (6 mi). Larger metros often have more branches, but online lenders reach Baden on the same terms.
- Smaller places nearby: Conway (2 mi); Freedom (4 mi); Bell Acres (4 mi).
- Within a 50-mile radius: 250 smaller Census places.
- Within 100 miles: 205 places are larger than Baden.
What a Baden borrower is actually offered
In Baden, a small community of about 3,809, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Baden can be quoted different APRs on the same amount and term. The term you choose in Baden decides the split between a comfortable payment and the total interest you pay.
Borrowing reach in Baden
Baden is moderately settled, with about 1,685 people per square mile and 87 larger places within 50 miles. Distance to a branch rarely matters for Baden's 3,809 residents: the application is online and the price follows your credit file. The nearest larger city, Economy, PA about 2 miles away.
Which Pennsylvania laws govern a loan in Baden
Every row below records a Pennsylvania rule, its publisher and its retrieval date — the same rules a Baden lender must follow.
| Rule | Detail | Source |
|---|---|---|
| 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 |
Where Baden sits
The Census Gazetteer records 2.3 square miles of land and 0.22 square miles of water within Baden. With 3,809 residents, the land area yields roughly 1,685 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 272 miles away. A 50-mile radius around Baden takes in 87 places that are larger. By land area it ranks 179th of 1,013 Pennsylvania places.
Baden's place among Pennsylvania's 1,013 places
Against Pennsylvania's other places, Baden accounts for about 0.1% of the state's population and ranks 268th of 1,013 by size. Its 2020-to-2023 change ranks 733rd of 1,013 Pennsylvania places, putting it near the 28th percentile for growth. By density, at about 1,685 people per square mile, it ranks 568th in Pennsylvania. The population moved by about 91 people between 2020 and 2023, a 2.3% shift.
Common questions
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Nearby places
- Conway, PA — population 2,135
- Economy, PA — population 8,962
- Aliquippa, PA — population 9,022
- Ambridge, PA — population 6,875
- Freedom, PA — population 1,464
- South Heights, PA — population 377
- Monaca, PA — population 5,487
- Bell Acres, PA — population 1,465