Personal loans in Ehrenfeld, PA

With 198 residents, Ehrenfeld outranks about 8% of the communities in Pennsylvania. Ehrenfeld shed about 1.5% of its population between the 2020 base and the 2023 estimate. The roughly 198 people who live in Ehrenfeld borrow under Pennsylvania rules; city hall sets no personal-loan rate. Consumer lending that reaches Ehrenfeld's 198 residents is governed by Pennsylvania statute; no city ordinance changes it. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Ehrenfeld loan. The next larger city is Summerhill, PA about 1 miles away.

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.

Ehrenfeld: the sourced local profile

Set out below is Ehrenfeld's local context next to the state-level rules that reach every lender here.

How a Ehrenfeld personal loan is priced

A Ehrenfeld personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 198 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Ehrenfeld. A longer term lowers the monthly payment on a Ehrenfeld loan but raises total interest, so the smallest payment is not the cheapest loan.

Land, water and location for Ehrenfeld

The Census Gazetteer records 0.4 square miles of land and 0.01 square miles of water within Ehrenfeld. With 198 residents, the land area yields roughly 456 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 194 miles away. Ehrenfeld has 152 larger places within a 50-mile radius. By land area it ranks 788th of 1,013 Pennsylvania places.

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

Ehrenfeld is the 930th-largest of 1,013 Census places in Pennsylvania and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Ehrenfeld stands 544th among Pennsylvania's 1,013 places — roughly the 46th percentile. Its roughly 456 residents per square mile place it 877th among Pennsylvania's places. The population moved by about 3 people between 2020 and 2023, a 1.5% shift.

Before you apply in Ehrenfeld

These steps shape the offer you get in Ehrenfeld, a place of about 198 people:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Make sure the lender appears in the Pennsylvania regulator's licence list.
  5. Test the payment against your current bills before you commit.
  6. Weigh a shorter term's higher payment against the interest it saves.
  7. Keep the amount to the expense; an approval is not a reason to take more.

None of these steps is Ehrenfeld-specific: the same Pennsylvania licensing and disclosure rules reach all 198 residents.

The state rulebook for Ehrenfeld

Pennsylvania has no separate rate rule for Ehrenfeld; the sourced rows below are what reach every lender that serves its 198 people.

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
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
Payday lending statusNo 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

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 Ehrenfeld 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 Ehrenfeld is the same as anywhere in Pennsylvania.
What loan size can I expect in Ehrenfeld?
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 Ehrenfeld?
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 Ehrenfeld 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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