Personal loans in Ephrata, PA

Ephrata by the numbers

Here is the sourced Census picture for Ephrata, plus the Pennsylvania lending rules that apply to a loan taken out here.

• Population: an estimated 13,660 residents, 43rd of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
• Population trend: Lower by roughly 1.0% since the 2020 count.
• Net change: roughly 138 fewer people than the 2020 Census counted.
• Size percentile: roughly 96% of Pennsylvania's places have fewer residents than Ephrata's 13,660.
• Density: roughly 3,996 residents per square mile, spread over 3.4 sq mi of land.
• Land area: Ephrata covers 3.4 square miles, the 110th-largest area among Pennsylvania's 1,013 places.
• Water: Ephrata holds about 0.04 square miles, the 238th-largest water area in Pennsylvania.
• State population share: Ephrata accounts for about 0.2% of everyone in Pennsylvania.
• National standing: Ephrata ranks 2,528th of 19,457 US places.
• Growth in Pennsylvania: Ephrata stands 454th by percentage change from 2020 to 2023, among 1,013 places.
• Against the state trend: Ephrata's 1.0% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
• Density in Pennsylvania: Ephrata ranks 191st by people per square mile.
• Against the state median: Ephrata runs about 3,996 residents per square mile, where the Pennsylvania median is 1,990.
• Location: mapped by the US Census Bureau at 40.1809, -76.1802.
• Nearest larger cities: Lancaster (12 mi); Lebanon (17 mi); Reading (17 mi); Pottstown (29 mi); York (33 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller towns nearby: Akron (2 mi); Denver (4 mi); Lititz (7 mi).
• Within a 50-mile radius: 224 smaller Census places.
• Within 100 miles: 70 places are larger than Ephrata.

Inside a Ephrata personal loan

Ephrata is a small town of about 13,660 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Ephrata loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Ephrata decides the split between a comfortable payment and the total interest you pay.

What Pennsylvania law requires in Ephrata

When Pennsylvania does not publish a figure, the row links to the source instead of inventing a number; Ephrata is bound by the same rules.

Getting a loan in Ephrata

With about 3,996 residents per square mile, Ephrata is fairly dense, and 18 larger Census places sit within 50 miles. Lenders licensed in Pennsylvania reach Ephrata's 13,660 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Lancaster, PA about 12 miles away.

Where Ephrata sits in Pennsylvania

Set beside Pennsylvania's 1,013 places, Ephrata ranks 43rd by population and holds about 0.2% of the state total. For population change between 2020 and 2023, Ephrata ranks 454th of 1,013 in Pennsylvania (about the 55th percentile). At about 3,996 people per square mile, Ephrata is the 191st most densely settled place in Pennsylvania. Between 2020 and 2023 the count changed by roughly 138 residents.

Ephrata on the map

The Census Gazetteer records 3.4 square miles of land and 0.04 square miles of water within Ephrata. That land carries about 3,996 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 57 miles. Within 50 miles of Ephrata there are 18 larger Census places. The 100-mile radius contains 70 larger places.