Personal loans in Delta, PA
A lender serving Delta holds a Pennsylvania licence and answers to a Pennsylvania regulator; no city office is involved for its 705 residents. Delta ranks 683rd of 1,013 places in Pennsylvania, with a population near 705.
Judge Delta offers on total cost, not on how quickly the money arrives. Census data show virtually no population shift in Delta between 2020 and 2023. Every figure below is Pennsylvania's own, applied to Delta's 705 residents, with the publisher and retrieval date attached. The nearest larger city is Bel Air, MD about 13 miles away.
Delta: the sourced local profile
Read the local figures below as context; read the sourced Pennsylvania table as the rulebook a lender here must follow.
- Population: an estimated 705 residents, 683rd of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
- Population trend: The 2020-to-2023 change is under a tenth of a percent.
- Size percentile: roughly 33% of Pennsylvania places rank below Delta.
- Population density: about 2,691 people per square mile across 0.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Delta ranks 895th among Pennsylvania's 1,013 places, at 0.3 sq mi.
- State population share: Delta accounts for about 0.0% of everyone in Pennsylvania.
- National standing: Delta ranks 11,775th of 19,457 US places.
- Growth rank: Delta's 2020-to-2023 change ranks 227th of 1,013 places in Pennsylvania.
- State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Delta's 0.0%.
- Density in Pennsylvania: Delta ranks 372nd by people per square mile.
- Against the state median: Delta runs about 2,691 residents per square mile, where the Pennsylvania median is 1,990.
- Location: 39.7267, -76.3271 (Census Gazetteer coordinates).
- Nearest larger cities: Bel Air (13 mi); Stewartstown (14 mi); Rising Sun (14 mi); Quarryville (15 mi); Aberdeen (17 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities close by: Fawn Grove (7 mi); Port Deposit (15 mi); Cross Roads (15 mi), each with its own Census population profile.
- Smaller neighbours: 28 places smaller than Delta sit within 50 miles.
- Within 100 miles: 532 places are larger than Delta.
What shapes a Delta personal loan
In Delta, a small community of about 705, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Delta lender to disclose the APR and finance charge before you sign. The term you choose in Delta decides the split between a comfortable payment and the total interest you pay.
Delta's place among Pennsylvania's 1,013 places
Within Pennsylvania, Delta holds roughly 0.0% of all residents, the 683rd-largest share among 1,013 places. On the 2020-to-2023 trend, Delta stands 227th among Pennsylvania's 1,013 places — roughly the 78th percentile. At about 2,691 people per square mile, Delta is the 372nd most densely settled place in Pennsylvania. Between 2020 and 2023 the count changed by roughly 0 residents.
The geography behind Delta
Delta's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 2,691 people per square mile. The largest place in Pennsylvania, Philadelphia, lies about 66 miles away. A 50-mile radius around Delta takes in 134 places that are larger. The 100-mile radius contains 532 larger places.
The Pennsylvania lending rules that reach Delta
Below are the Pennsylvania rules that apply to a loan made in Delta, each with the regulator that issued it.
| 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 |
| Payday lending status | No separate payday-lending license; non-bank lenders are limited to 6% (unlicensed) or up to 24% (CDCA-licensed), so high-cost payday loans are not permitted. Source says: "if a lender is licensed by the Department in accord with the CDCA, it can charge between 6-24% on loans under $25,000" (DoBS interpretive letter, May 11, 2023). | 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 |
What is available to Delta borrowers
Delta is fairly dense, with about 2,691 people per square mile and 134 larger places within 50 miles. Distance to a branch rarely matters for Delta's 705 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Bel Air, MD about 13 miles away.
Common questions
What are my options in Delta if my credit is poor?
What loan size can I expect in Delta?
Do I have to pledge anything to borrow in Delta?
Does comparing loans in Delta cost me credit score points?
Nearby places
- Fawn Grove, PA — population 474
- Bel Air, MD — population 10,490
- Quarryville, PA — population 2,859
- Port Deposit, MD — population 625
- Aberdeen, MD — population 18,006
- Cross Roads, PA — population 537
- Stewartstown, PA — population 2,176
- Felton, PA — population 509