Personal loans in Darby, PA
With an estimated 10,614 residents, Darby is the 63rd-largest of 1,013 places in Pennsylvania. A 2020-to-2023 comparison shows Darby down by about 0.9%. Personal loans in Darby are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 10,614 population. Which products a lender may offer to Darby's 10,614 residents follows from the Pennsylvania consumer-lending framework. Judge Darby offers on total cost, not on how quickly the money arrives. The nearest larger metro is Yeadon, PA about 1 miles away.
Local context for Darby
Set out below is Darby's local context next to the state-level rules that reach every lender here.
- Population: 10,614 people, a figure that places Darby 63rd among the 1,013 Census places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: Roughly 0.9% fewer residents than the 2020 Census counted.
- Absolute change: 99 residents lost between 2020 and 2023.
- Size percentile: about 94% of Pennsylvania's Census places are smaller than Darby.
- Population density: 12,606 people per square mile on 0.8 square miles of land.
- Land area rank: Darby's 0.8 square miles rank 521st of 1,013 places in Pennsylvania.
- Share of state population: Darby's 10,614 residents are about 0.2% of Pennsylvania.
- National standing: Darby ranks 3,023rd of 19,457 US places.
- Growth in Pennsylvania: Darby stands 434th by percentage change from 2020 to 2023, among 1,013 places.
- Against the state trend: Darby's 0.9% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density in Pennsylvania: Darby ranks 3rd by people per square mile.
- Density vs Pennsylvania: Darby's 12,606 people per square mile compare with a state median of 1,990.
- Location: 39.9210, -75.2611 (Census Gazetteer coordinates).
- Nearest larger cities: Yeadon (1 mi); Lansdowne (2 mi); Chester (8 mi); Gloucester City (8 mi); Camden (8 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller places nearby: Colwyn (1 mi); Collingdale (1 mi); Sharon Hill (1 mi).
- Smaller places within 50 miles: 189 of them.
- At 100 miles: 152 larger Census places fall inside that radius.
Where Darby sits
Darby covers about 0.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 10,614 residents, the land area yields roughly 12,606 people per square mile. The largest place in Pennsylvania, Philadelphia, lies about 9 miles away. A 50-mile radius around Darby takes in 34 places that are larger. By land area it ranks 521st of 1,013 Pennsylvania places.
Darby's place among Pennsylvania's 1,013 places
Against Pennsylvania's other places, Darby accounts for about 0.2% of the state's population and ranks 63rd of 1,013 by size. On the 2020-to-2023 trend, Darby stands 434th among Pennsylvania's 1,013 places — roughly the 57th percentile. Its roughly 12,606 residents per square mile place it 3rd among Pennsylvania's places. The population moved by about 99 people between 2020 and 2023, a 0.9% shift.
The anatomy of a Darby personal loan
In Darby, a small town of about 10,614, 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 Darby can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Darby loan but raises total interest, so the smallest payment is not the cheapest loan.
How Pennsylvania law applies in Darby
Pennsylvania has no separate rate rule for Darby; the sourced rows below are what reach every lender that serves its 10,614 people.
| 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 |
| 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 |
| 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 |
Getting a loan in Darby
At roughly 12,606 people per square mile, Darby is densely built; 34 larger places lie within 50 miles. Whether Darby has a local branch or not, a Pennsylvania-licensed lender can serve its 10,614 people online on the same terms. The nearest bigger place is Yeadon, PA about 1 miles away.
Common questions
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Nearby places
- Colwyn, PA — population 2,448
- Yeadon, PA — population 12,247
- Sharon Hill, PA — population 5,958
- Collingdale, PA — population 8,833
- East Lansdowne, PA — population 2,687
- Lansdowne, PA — population 11,077
- Aldan, PA — population 4,210
- Folcroft, PA — population 6,735