Personal loans in Colwyn, PA
From the 2020 Census base to the 2023 estimate, the population declined by about 1.0%. An estimated 2,448 people make their home in Colwyn, a figure that ranks 378th in Pennsylvania. A lender serving Colwyn holds a Pennsylvania licence and answers to a Pennsylvania regulator; no city office is involved for its 2,448 residents. Compare APR, not the interest rate, because the APR folds in most fees on a Colwyn loan. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Colwyn's 2,448 residents. For a bigger market, look to Darby, PA about 1 miles away.
Borrowing in Colwyn: the local picture
Colwyn is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: about 2,448, ranked 378th of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
- Population trend: Down about 1.0% from the 2020 Census base to the 2023 estimate.
- People gained or lost: about 24 fewer since the 2020 base.
- Size percentile: with 2,448 residents, Colwyn is larger than about 63% of Pennsylvania's Census places.
- Population density: about 9,488 people per square mile (Census land area 0.3 sq mi).
- Land area rank: Colwyn's 0.3 square miles rank 900th of 1,013 places in Pennsylvania.
- State population share: Colwyn accounts for about 0.0% of everyone in Pennsylvania.
- National rank: Colwyn sits 6,916th by population among the 19,457 places in this dataset.
- Growth rank: Colwyn's 2020-to-2023 change ranks 445th of 1,013 places in Pennsylvania.
- Versus Pennsylvania: the state average change is -0.9%, while Colwyn moved 1.0%.
- Density rank: Colwyn places 14th among Pennsylvania's places by people per square mile.
- Density vs Pennsylvania: Colwyn's 9,488 people per square mile compare with a state median of 1,990.
- Location: 39.9118 / -75.2531, per the US Census Bureau Gazetteer.
- Nearest larger cities: Darby (1 mi); Sharon Hill (1 mi); Collingdale (1 mi); Yeadon (1 mi); Aldan (2 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities close by: Millbourne (4 mi); Rutledge (4 mi); Eddystone (6 mi), each with its own Census population profile.
- Smaller neighbours: 73 places smaller than Colwyn sit within 50 miles.
- Larger places within 100 miles: 474.
Pennsylvania consumer-lending rules applied in Colwyn
For the roughly 2,448 residents of Colwyn, 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 |
Where Colwyn sits
Colwyn's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. With 2,448 residents, the land area yields roughly 9,488 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 9 miles. Counting outward 50 miles, 150 larger communities surround Colwyn. Within the same 50 miles lie 73 smaller Census places.
Borrowing reach in Colwyn
Colwyn is densely built, with about 9,488 people per square mile and 150 larger places within 50 miles. Lenders licensed in Pennsylvania reach Colwyn's 2,448 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Darby, PA about 1 miles away.
The anatomy of a Colwyn personal loan
A Colwyn personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,448 residents. The APR tracks your credit score rather than Colwyn's rank of 378th in Pennsylvania: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Colwyn loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Where Colwyn sits in Pennsylvania
Within Pennsylvania, Colwyn holds roughly 0.0% of all residents, the 378th-largest share among 1,013 places. Its 2020-to-2023 change ranks 445th of 1,013 Pennsylvania places, putting it near the 56th percentile for growth. At about 9,488 people per square mile, Colwyn is the 14th most densely settled place in Pennsylvania. In land area, Colwyn ranks 900th among Pennsylvania's 1,013 places.
Common questions
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Nearby places
- Darby, PA — population 10,614
- Sharon Hill, PA — population 5,958
- Yeadon, PA — population 12,247
- Collingdale, PA — population 8,833
- Folcroft, PA — population 6,735
- East Lansdowne, PA — population 2,687
- Aldan, PA — population 4,210
- Lansdowne, PA — population 11,077