Notice
Inflation Adjustment for the Fire and Emergency Medical Service Loan Program
August 8th, 2025This notice provides information about the Fire and Emergency Medical Service Loan Program (Program). The loan limits are to be adjusted biannually at the rate of inflation as outlined in the Consumer Price Index for All Urban Consumers for the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area for the most recent 12-month period for which the figures have been reported by the United States Department of Labor, Bureau of Labor Statistics.
In accordance with 35 Pa.C.S. § 7364(b.1) (relating to assistance to fire companies and EMS companies), loan limits are increased by 3.3% from the previously published loan limits.
Fire and EMS Loan Program Lending Limit and Repayment Terms (Effective 08/1/2025)
| Project | Maximum Loan | Maximum Term | Payment (per month) |
|---|---|---|---|
| Facility | $612,451 or 50% (whichever is less) | 20 Years | $3,098.29 |
| Aerial Apparatus | $476,363 or 50% (whichever is less) | 20 Years | $2,409.84 |
| Heavy Duty Rescue (GVWR 14,700+ lbs.) |
$340,276 or 50% (whichever is less) | 20 Years | $1,721.40 |
| Light Duty Rescue | $170,139 or 50% (whichever is less) | 15 Years | $1,094.86 |
| Apparatus (New) * | $340,276 or 50% (whichever is less) | 20 Years | $1,721.40 |
| Apparatus (Used) ˆ | $272,177 or 80% (whichever is less) | 15 Years | $1,751.48 |
| Ambulance ~ | $170,139 or 50% (whichever is less) | 15 Years | $1,094.86 |
| Watercraft Rescue | $47,649 or 50% (whichever is less) | 10 Years | $438.42 |
| Repair/Refurbish + | $108,893 or 80% (whichever is less) | 15 Years | $700.74 |
| PennFIRS | $5,528 or 50% (whichever is less) | 10 Years | $50.87 |
| Equipment | $34,050 (once per 5-year period) | 10 Years | $313.31 |
* Includes Pumpers, Tankers, Utility, Special Service Vehicles
ˆ Includes Aerial Apparatus, Heavy Duty Rescue and Light Duty Rescue
~ Includes New and Used
+ Includes Remounts
New apparatus, ambulance and rescue vehicles manufactured or assembled in this Commonwealth may be eligible for an additional $20,000 added to the previously listed limits. Certification is required from the manufacturer that 75% of the total cost results from the vehicle being manufactured in this Commonwealth.
Summary by Amount (Minimum loan is $3,000)
| Less than $50,000 | — | 10 Years |
| Above $50,000—$300,000 | — | 15 Years |
| Above $300,000 | — | 20 Years |
