Personal loans in Brookhaven, PA
With an estimated 8,291 residents, Brookhaven is the 98th-largest of 1,013 places in Pennsylvania.
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.
- Population: 8,291 people, a figure that places Brookhaven 98th among the 1,013 Census places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: A drop of about 0.1% from 2020 to 2023.
- Net change: roughly 6 fewer people than the 2020 Census counted.
- Size percentile: with 8,291 residents, Brookhaven is larger than about 90% of Pennsylvania's Census places.
- Density: the Census land area of 1.7 sq mi holds about 4,854 people per square mile.
- Land area: Brookhaven covers 1.7 square miles, the 259th-largest area among Pennsylvania's 1,013 places.
- Share of state population: Brookhaven's 8,291 residents are about 0.1% of Pennsylvania.
- National rank: Brookhaven sits 3,592nd by population among the 19,457 places in this dataset.
- Growth in Pennsylvania: Brookhaven stands 254th by percentage change from 2020 to 2023, among 1,013 places.
- State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Brookhaven's 0.1%.
- Density rank: Brookhaven is the 125th most densely settled place in Pennsylvania.
- Density vs Pennsylvania: Brookhaven's 4,854 people per square mile compare with a state median of 1,990.
- Location: 39.8711, -75.3913 (Census Gazetteer coordinates).
- Nearest larger cities: Chester (2 mi); Collingdale (7 mi); Darby (8 mi); Lansdowne (8 mi); Yeadon (8 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places close by: Parkside (1 mi); Upland (1 mi); Rose Valley (2 mi).
- Smaller places within 50 miles: 174 of them.
- At 100 miles: 184 larger Census places fall inside that radius.
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.
| 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 |
Common questions
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Nearby places
- Parkside, PA — population 2,303
- Upland, PA — population 3,036
- Rose Valley, PA — population 1,012
- Chester, PA — population 33,595
- Trainer, PA — population 1,960
- Media, PA — population 5,862
- Swarthmore, PA — population 6,536
- Eddystone, PA — population 2,435