Personal loans in Flemington, PA
Personal loans in Flemington are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 1,263 population.
State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Flemington's 1,263 residents. With 1,263 residents, Flemington outranks about 46% of the communities in Pennsylvania. Read the disclosure for an origination fee and any prepayment penalty before signing in Flemington. Population in Flemington dropped about 0.6% over the three years from 2020 to 2023. A larger market lies at Lock Haven, PA about 1 miles away.
Where Flemington stands
Set out below is Flemington's local context next to the state-level rules that reach every lender here.
- Population: the Census counts 1,263 residents in Flemington (Vintage 2023 subcounty estimate), the 543rd-largest figure among Pennsylvania's 1,013 places.
- Population trend: A decline of about 0.6% across the 2020-to-2023 comparison.
- Net change: roughly 8 fewer people than the 2020 Census counted.
- Size percentile: about 46% of Pennsylvania communities are smaller than Flemington (1,263 residents).
- Population density: about 2,770 people per square mile across 0.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Flemington ranks 764th among Pennsylvania's 1,013 places, at 0.5 sq mi.
- State population share: Flemington accounts for about 0.0% of everyone in Pennsylvania.
- Nationally: Flemington is the 9,355th-largest of 19,457 Census places in the dataset.
- Growth in Pennsylvania: Flemington stands 370th by percentage change from 2020 to 2023, among 1,013 places.
- Against the state trend: Flemington's 0.6% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density rank: Flemington places 356th among Pennsylvania's places by people per square mile.
- Density in context: Flemington's 2,770 people per square mile sit against a Pennsylvania median of 1,990.
- Location: mapped by the US Census Bureau at 41.1272, -77.4702.
- Nearest larger cities: Lock Haven (1 mi); Mill Hall (2 mi); Avis (9 mi); Jersey Shore (12 mi); Bellefonte (21 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller places close by: Beech Creek (7 mi); Loganton (11 mi); Howard (13 mi).
- Smaller places within 50 miles: 42 of them.
- At 100 miles: 263 larger Census places fall inside that radius.
Flemington's place among Pennsylvania's 1,013 places
Against Pennsylvania's other places, Flemington accounts for about 0.0% of the state's population and ranks 543rd of 1,013 by size. Its 2020-to-2023 change ranks 370th of 1,013 Pennsylvania places, putting it near the 63th percentile for growth. At about 2,770 people per square mile, Flemington is the 356th most densely settled place in Pennsylvania. Within 50 miles sit 42 smaller Census places, alongside the 32 that are larger.
What is available to Flemington borrowers
At roughly 2,770 people per square mile, Flemington is fairly dense; 32 larger places lie within 50 miles. Lenders licensed in Pennsylvania reach Flemington's 1,263 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Lock Haven, PA about 1 miles away.
Flemington on the map
Inside Flemington's boundaries lie about 0.5 square miles of land, with no significant water area recorded. Spread across it are roughly 2,770 residents per square mile. The largest place in Pennsylvania, Philadelphia, lies about 145 miles away. Within 50 miles of Flemington there are 32 larger Census places. Within the same 50 miles lie 42 smaller Census places.
Which Pennsylvania laws govern a loan in Flemington
This table holds the Pennsylvania rate and licensing rules for consumer loans made to Flemington's 1,263 residents.
| 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 |
| 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 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 |
The anatomy of a Flemington personal loan
Flemington is a small community of about 1,263 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Flemington's 1,263 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Flemington loan is knowable in advance — unlike a revolving card balance.
Common questions
What are my options in Flemington if my credit is poor?
What loan size can I expect in Flemington?
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Does comparing loans in Flemington cost me credit score points?
Nearby places
- Lock Haven, PA — population 8,457
- Mill Hall, PA — population 1,460
- Beech Creek, PA — population 731
- Avis, PA — population 1,460
- Loganton, PA — population 463
- Jersey Shore, PA — population 4,087
- Howard, PA — population 659
- Millheim, PA — population 821