Personal loans in Silverdale, PA
Silverdale is a small community in Pennsylvania, with an estimated 798 residents, and every licensed lender here follows the same state rulebook. With 798 residents, Silverdale outranks about 36% of the communities in Pennsylvania. Verify the lender's Pennsylvania licence against the regulator named below before borrowing in Silverdale. Census figures put the 2020-to-2023 decrease in Silverdale at about 1.0%. Every figure below is Pennsylvania's own, applied to Silverdale's 798 residents, with the publisher and retrieval date attached. The closest larger city is Perkasie, PA about 2 miles away.
What the Census records for Silverdale
The figures below are Silverdale's own — Census population, land area and coordinates — followed by the Pennsylvania rules.
- Population: 798 residents; Silverdale is the 653rd-largest of 1,013 places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: Roughly 1.0% fewer residents than the 2020 Census counted.
- Absolute change: 8 residents lost between 2020 and 2023.
- Size percentile: roughly 36% of Pennsylvania's places have fewer residents than Silverdale's 798.
- Population density: about 1,932 people per square mile across 0.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Silverdale covers 0.4 square miles, the 803rd-largest area among Pennsylvania's 1,013 places.
- Share of state population: Silverdale's 798 residents are about 0.0% of Pennsylvania.
- National standing: Silverdale ranks 11,201st of 19,457 US places.
- Growth rank: Silverdale's 2020-to-2023 change ranks 452nd of 1,013 places in Pennsylvania.
- Against the state trend: Silverdale's 1.0% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density rank: Silverdale places 524th among Pennsylvania's places by people per square mile.
- Against the state median: Silverdale runs about 1,932 residents per square mile, where the Pennsylvania median is 1,990.
- Location: mapped by the US Census Bureau at 40.3467, -75.2711.
- Nearest larger cities: Perkasie (2 mi); Sellersville (2 mi); Telford (3 mi); Souderton (4 mi); Dublin (4 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places nearby: Green Lane (11 mi); Stockton (16 mi); Glendon (22 mi).
- Smaller places within 50 miles: 28 of them.
- Within 100 miles: 789 places are larger than Silverdale.
The anatomy of a Silverdale personal loan
Most loans made to Silverdale's 798 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Silverdale. Shortening the term on a Silverdale loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
What is available to Silverdale borrowers
At roughly 1,932 people per square mile, Silverdale is moderately settled; 255 larger places lie within 50 miles. Lenders licensed in Pennsylvania reach Silverdale's 798 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Perkasie, PA about 2 miles away.
Where Silverdale sits in Pennsylvania
Among Pennsylvania's 1,013 places, Silverdale sits at 653rd for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 452nd of 1,013 Pennsylvania places, putting it near the 55th percentile for growth. At about 1,932 people per square mile, Silverdale is the 524th most densely settled place in Pennsylvania. The population moved by about 8 people between 2020 and 2023, a 1.0% shift.
The Pennsylvania lending rules that reach Silverdale
This table holds the Pennsylvania rate and licensing rules for consumer loans made to Silverdale's 798 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 |
| 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 |
| 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 |
Where Silverdale sits
The Census Gazetteer records about 0.4 square miles of land within Silverdale, with no significant water area listed. The resulting density is about 1,932 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 24 miles away. Within 50 miles of Silverdale there are 255 larger Census places. The 100-mile radius contains 789 larger places.
Common questions
What are my options in Silverdale if my credit is poor?
What loan size can I expect in Silverdale?
Do I have to pledge anything to borrow in Silverdale?
Does comparing loans in Silverdale cost me credit score points?
Nearby places
- Perkasie, PA — population 9,277
- Sellersville, PA — population 4,515
- Telford, PA — population 4,896
- Souderton, PA — population 7,276
- Dublin, PA — population 2,269
- Hatfield, PA — population 3,486
- Chalfont, PA — population 4,396
- New Britain, PA — population 2,812