Personal loans in Brookhaven, PA

With an estimated 8,291 residents, Brookhaven is the 98th-largest of 1,013 places in Pennsylvania.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

With roughly 8,291 residents, Brookhaven is a small town, and the lending rules its borrowers live under are written in Pennsylvania, not by the city. Begin with the payment, then weigh APR and total interest across the lenders that reach Brookhaven's 8,291 residents. Rate ceilings, licensing requirements and product limits for Brookhaven are all set at the Pennsylvania level. The trend for Brookhaven between 2020 and 2023 is downward by roughly 0.1%. The nearest larger metro is Chester, PA about 2 miles away.

What the Census records for Brookhaven

Brookhaven is a small town; the notes below cover its population profile and the statewide rules that apply.

What a Brookhaven borrower is actually offered

With roughly 8,291 residents, Brookhaven is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Brookhaven can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Brookhaven loan is knowable in advance — unlike a revolving card balance.

Land, water and location for Brookhaven

Brookhaven's land area is roughly 1.7 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 4,854 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 17 miles away. Counting outward 50 miles, 51 larger communities surround Brookhaven. Within the same 50 miles lie 174 smaller Census places.

What is available to Brookhaven borrowers

Brookhaven is fairly dense, with about 4,854 people per square mile and 51 larger places within 50 miles. Whether Brookhaven has a local branch or not, a Pennsylvania-licensed lender can serve its 8,291 people online on the same terms. For a larger market, the closest option is Chester, PA about 2 miles away.

Brookhaven's place among Pennsylvania's 1,013 places

Among Pennsylvania's 1,013 places, Brookhaven sits at 98th for population, a share of roughly 0.1% of the state. Its 2020-to-2023 change ranks 254th of 1,013 Pennsylvania places, putting it near the 75th percentile for growth. Its roughly 4,854 residents per square mile place it 125th among Pennsylvania's places. Within 50 miles sit 174 smaller Census places, alongside the 51 that are larger.

Which Pennsylvania laws govern a loan in Brookhaven

For the roughly 8,291 residents of Brookhaven, the rules below are Pennsylvania's own; each row carries its publisher and retrieval date.

RuleDetailSource
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
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 we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Brookhaven if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Brookhaven is the same as anywhere in Pennsylvania.
What loan size can I expect in Brookhaven?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Brookhaven?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Brookhaven cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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