Payday Loans Aston Township PA: One Current, One Cap
Payday loans in Aston Township, Pennsylvania are capped by the same statewide law that governs every other municipality in the commonwealth, regardless of what the township happens to manufacture. Aston is home to Endless Pools, a company that builds resistance pools generating a current strong enough to swim against indefinitely without ever reaching the far wall. Pennsylvania's Loan Interest and Protection Law works on a similar principle for borrowers: no matter how hard someone in the 19014 ZIP code paddles against a payday-style fee structure, the law caps what a licensed lender may legally charge at 24% APR, period.
Personal loans — see your rate in minutes
Apply Now →Aston Township's best-known manufacturer builds a product with a strange premise: a pool where the swimmer never moves. Endless Pools, headquartered here, makes resistance pools that push a steady current against the swimmer, letting someone swim in place for as long as they can hold the pace. The current doesn't let up, and the swimmer never gets anywhere — which is a decent description of what a triple-digit payday loan does to a borrower's bank account, minus the cardiovascular benefit.
Pennsylvania's Loan Interest and Protection Law is the thing standing between Aston Township borrowers and that kind of current. It doesn't bend for a company that builds currents for a living.
Aston Township by the Numbers
- Population: ~16,838 (2024 estimate), Delaware County
- ZIP codes: 19014 (Aston), 19063 (shared with Media)
- Settled 1682; incorporated as a township in 1688 — known as Northley before 1687
- Became a first-class township in 1906
- Land area: roughly 5.8 square miles
- Home to Endless Pools, Neumann University, and the IceWorks Skating Complex
- Licensed consumer lending: 24% APR cap statewide, no local exceptions
- Regulator: PA Department of Banking and Securities — (800) 600-0007
Northley, Then Aston, Same Rate Cap Either Way
Settlers arrived in what's now Aston Township in 1682, the same wave of settlement that filled in much of southeastern Pennsylvania under William Penn's charter. The area incorporated as a township in 1688, but it carried a different name at first — Northley — until sometime before 1687, when the Aston name took hold. The township later grew into a first-class township in 1906 as its population climbed.
None of that renaming history shows up in the LIPL. Whether a deed traces back to the Northley years or was recorded well after the 1906 reclassification, the same 24% APR ceiling on licensed consumer lending applies to the address today.
A Company That Manufactures Currents, Not Loopholes
Endless Pools sits among Aston Township's more unusual employers: a manufacturer whose entire product line is built around generating a current a swimmer can work against without a lap pool's worth of real estate. It's a genuinely clever piece of engineering, and it's also a fair metaphor for what a 400% APR loan does to a household budget — constant resistance, no forward progress, and a current that doesn't care how fast anyone paddles.
Pennsylvania's lending law doesn't carve out an exception for the township that happens to build that kind of equipment. The 24% APR ceiling applies to every lender operating in Aston, same as it does three townships over.
Neumann University's Two Name Changes
In the northern part of the township, on the former grounds of Our Lady of Angels Convent, sits Neumann University — a Franciscan institution that opened its doors in 1965. It became coeducational Neumann College in 1980, then reached university status in 2009, picking up its current name along the way. The university's hockey teams play down the road at the IceWorks Skating Complex, one of the township's more visible gathering spots.
Three names, one campus, zero effect on consumer lending law. The LIPL's rate cap has applied to the township throughout every version of the school's name.
$300 Shortfall: Legal Options vs. Unlicensed Lenders
Approximate figures. The unlicensed column is illegal to offer an Aston Township resident under the LIPL, regardless of ZIP code or which side of the township line the address falls on.
What Actually Works for a Short Gap in Aston Township
Pennsylvania's Loan Interest and Protection Law caps unlicensed lending at 6% APR and licensed consumer lending at 24% APR statewide, with no carve-out for townships that manufacture exercise equipment or host a university that's changed its name twice. The Pennsylvania Supreme Court closed the internet workaround by ruling that the cap follows the borrower's address rather than the lender's location, so an online company pitching a triple-digit rate to a 19014 resident is violating state law no matter where it claims to be based.
What actually works for a short-term gap looks the same across Delaware County: credit union Payday Alternative Loans running 18%–28% APR as short installment plans, and licensed installment lenders operating under the LIPL. The Aston Township Library, serving the community since 1977, and the Delaware County Assistance Office in Chester both coordinate residents toward the right program.
Pennsylvania 211 sorts through the rest — dial 211, any hour, from anywhere in the township.
Aston Township PA: Quick Reference
- Pennsylvania 211 — dial 211, 24/7
- Delaware County Assistance Office (Chester) — (610) 713-3680
- Aston Township administration — (610) 485-1620
- Area credit unions — Payday Alternative Loans, 18%–28% APR
- PA DOBS license verification — dobs.pa.gov or NMLS Consumer Access
- Report unlicensed lenders — PA DOBS (800) 600-0007
A name change from Northley to Aston, a university that renamed itself twice, and a manufacturer that builds currents nobody can out-swim — Aston Township has its share of quirks since 1682. None of them show up in the Loan Interest and Protection Law, which caps what any lender can legally charge a Pennsylvania borrower regardless of what the local economy happens to produce. Payday loans in Aston Township, PA remain illegal above that cap the same way they are everywhere else in the commonwealth.
Frequently Asked Questions About Payday Loans in Aston
Are payday loans legal in Aston Township, PA?
No. Pennsylvania's Loan Interest and Protection Law (LIPL), 41 P.S. §§ 101–605, caps unlicensed lending at 6% APR and limits licensed consumer lenders to 24% APR statewide, including every address in Aston Township. A typical payday structure — $15 to $20 in fees per $100 borrowed over two weeks — annualizes to roughly 390%–520% APR, far above what any lender may legally charge an Aston resident. No licensed payday storefront operates in Aston Township or anywhere else in Pennsylvania.
Was Aston Township always called Aston?
No. The area was settled in 1682 and incorporated as a township in 1688, but before 1687 it was known as Northley rather than Aston. The name changed and the township grew — it became a first-class township in 1906 — but Pennsylvania's lending rules track the address, not the history, so the 24% APR ceiling applies the same way today whether a parcel's paperwork still remembers the Northley name or not.
Does the swim-machine company headquartered in Aston mean financial options there are different?
No. Endless Pools, which manufactures resistance pools that generate a current for in-place swimming, is headquartered in Aston Township and is one of the township's more distinctive businesses — but it has no bearing on consumer lending law. Pennsylvania's licensing and rate-cap rules under the LIPL apply identically to every address in the township, whether a few blocks from the Endless Pools facility or across town near Chester Heights.
Does Neumann University's two name changes affect anything about local lending?
No. Neumann University, a Franciscan institution in the northern part of the township on the grounds of the former Our Lady of Angels Convent, opened in 1965, became coeducational Neumann College in 1980, and reached university status in 2009. None of those changes touch Pennsylvania's banking statute. The LIPL's 24% APR cap on licensed consumer lending has applied to Aston Township addresses throughout all three eras of the school's name.
Can an online lender legally charge an Aston Township resident triple-digit interest?
No. The Pennsylvania Supreme Court ruled that the LIPL's rate cap follows the borrower's address, not the lender's location, so an out-of-state or online company still can't legally charge an Aston resident above 24% APR. Loans made above that cap by an unlicensed lender may be void and unenforceable under Pennsylvania law, regardless of where the lender claims to be based.
Where can Aston Township residents turn for actual short-term financial help?
Pennsylvania credit unions serving Delaware County run Payday Alternative Loans in the 18%–28% APR range as short installment plans rather than a single balloon payment, and licensed installment lenders under the LIPL offer comparable structures. The Aston Township Library, open since 1977, keeps a list of county assistance contacts, and the Delaware County Assistance Office in Chester coordinates emergency programs for residents across the county, including Aston. Pennsylvania 211 (dial 211) routes calls statewide to whichever program applies.