Personal loans in Windsor, PA

A personal loan in Windsor is priced from your credit file and income, not from the fact that the city holds 1,351 people. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Windsor's 1,351 residents. About 1,351 people live in Windsor, placing it 525th of 1,013 Census places in Pennsylvania. For a community of about 1,351, the practical step is to compare APR across at least three lenders before committing. The trend for Windsor between 2020 and 2023 is downward by roughly 0.4%. The nearest larger city is Red Lion, PA about 2 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.

Windsor: population, trend and location

Two layers matter for a Windsor borrower: the local population picture and Pennsylvania's consumer-lending statutes.

The Windsor borrowing checklist

Before you hand your details to a lender in Windsor, where the population is near 1,351:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Verify the lender's Pennsylvania licence with the regulator listed on this page.
  5. Write down the purpose of the loan and your repayment plan before you apply.
  6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  7. Read the disclosure for an origination fee and any prepayment penalty before signing.

None of these steps is Windsor-specific: the same Pennsylvania licensing and disclosure rules reach all 1,351 residents.

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

Within Pennsylvania, Windsor holds roughly 0.0% of all residents, the 525th-largest share among 1,013 places. Its 2020-to-2023 change ranks 339th of 1,013 Pennsylvania places, putting it near the 67th percentile for growth. At about 2,465 people per square mile, Windsor is the 415th most densely settled place in Pennsylvania. The population moved by about 6 people between 2020 and 2023, a 0.4% shift.

How a Windsor personal loan is priced

With roughly 1,351 residents, Windsor is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Windsor loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Windsor loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Windsor sits

Windsor's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 2,465 residents per square mile. For the state's biggest city, Philadelphia, the distance is roughly 77 miles. Within 50 miles of Windsor there are 116 larger Census places. By land area it ranks 692nd of 1,013 Pennsylvania places.

Pennsylvania rules behind a Windsor personal loan

Below are the Pennsylvania rules that apply to a loan made in Windsor, each with the regulator that issued it.

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
Small-loan / installment lender licensingConsumer 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
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

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

Nearby places

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