Personal loans in Clairton, PA

Two households in Clairton with comparable incomes can still be offered different rates; the city's 5,949 residents are not the reason. Census figures put the 2020-to-2023 decrease in Clairton at about 3.8%.

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.

The Census estimates 5,949 residents in Clairton, which ranks it 148th of 1,013 places in Pennsylvania. Decide the purpose of the loan and your repayment plan before sharing any details with a Clairton lender. A lender that serves Clairton operates under Pennsylvania lending statutes and a Pennsylvania supervisor. The closest larger place is Jefferson Hills, PA about 3 miles away.

Borrowing in Clairton: the local picture

Read the local figures below as context; read the sourced Pennsylvania table as the rulebook a lender here must follow.

What is available to Clairton borrowers

Clairton is a fairly dense community of about 5,949 people, with 47 larger places inside a 50-mile radius. Lenders licensed in Pennsylvania reach Clairton's 5,949 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Jefferson Hills, PA about 3 miles away.

What Pennsylvania law requires in Clairton

Below are the Pennsylvania rules that apply to a loan made in Clairton, 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
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 statusNo 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

Clairton on the map

Inside Clairton's boundaries lie roughly 2.8 square miles of land and 0.23 square miles of water. With 5,949 residents, the land area yields roughly 2,148 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 252 miles away. Clairton has 47 larger places within a 50-mile radius. By land area it ranks 140th of 1,013 Pennsylvania places.

Inside a Clairton personal loan

Most loans made to Clairton's 5,949 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Clairton's rank of 148th in Pennsylvania: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Clairton loan is knowable in advance — unlike a revolving card balance.

Where Clairton sits in Pennsylvania

Among Pennsylvania's 1,013 places, Clairton sits at 148th for population, a share of roughly 0.1% of the state. For population change between 2020 and 2023, Clairton ranks 968th of 1,013 in Pennsylvania (about the 4th percentile). Its roughly 2,148 residents per square mile place it 473rd among Pennsylvania's places. In land area, Clairton ranks 140th among Pennsylvania's 1,013 places.

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