Personal loans in Clarendon, PA
The first question in Clarendon is not the rate on offer but whether the payment fits; about 401 people live here under Pennsylvania lending law.
Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Clarendon loan. An estimated 401 people make their home in Clarendon, a figure that ranks 812th in Pennsylvania. Every figure below is Pennsylvania's own, applied to Clarendon's 401 residents, with the publisher and retrieval date attached. Population in Clarendon dropped about 2.4% over the three years from 2020 to 2023. The nearest larger metro is Warren, PA about 5 miles away.
Borrowing in Clarendon: the local picture
Read the local figures below as context; read the sourced Pennsylvania table as the rulebook a lender here must follow.
- Population: 401 people, a figure that places Clarendon 812th among the 1,013 Census places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: About 2.4% below the 2020 Census base.
- Net change: roughly 10 fewer people than the 2020 Census counted.
- Size percentile: about 20% of Pennsylvania's Census places are smaller than Clarendon.
- Population density: about 1,190 people per square mile across 0.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Clarendon's 0.3 square miles rank 851st of 1,013 places in Pennsylvania.
- State population share: Clarendon accounts for about 0.0% of everyone in Pennsylvania.
- National standing: Clarendon ranks 14,087th of 19,457 US places.
- Growth rank: Clarendon ranks 763rd among Pennsylvania's 1,013 places for the 2020-to-2023 change.
- Versus Pennsylvania: the state average change is -0.9%, while Clarendon moved 2.4%.
- Density rank: Clarendon is the 674th most densely settled place in Pennsylvania.
- Density vs Pennsylvania: Clarendon's 1,190 people per square mile compare with a state median of 1,990.
- Location: 41.7806, -79.0940 (US Census Bureau Gazetteer).
- Nearest larger cities: Warren (5 mi); Youngsville (12 mi); Tidioute (17 mi); Kane (17 mi); Sugar Grove (19 mi). A branch is convenient; it is not what sets your APR.
- Smaller places nearby: Bear Lake (26 mi); Spartansburg (30 mi); Bemus Point (30 mi).
- Smaller neighbours: 12 places smaller than Clarendon sit within 50 miles.
- Within 100 miles: 323 places are larger than Clarendon.
Which Pennsylvania laws govern a loan in Clarendon
Every row below records a Pennsylvania rule, its publisher and its retrieval date — the same rules a Clarendon lender must follow.
| 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 |
| 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 status | No 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 |
A pre-application checklist for Clarendon
For Clarendon's roughly 401 residents, these are the steps that most influence the offer:
- Pull your credit reports first and correct any error before a lender sees the file.
- Use the loan calculator to test the payment on your intended amount and term.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Confirm the lender holds a Pennsylvania licence by checking the regulator named above.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Make sure the new payment leaves room in a budget you already keep.
The process is identical across Pennsylvania; what changes is your credit file, not the fact that Clarendon holds 401 people.
What is available to Clarendon borrowers
With about 1,190 residents per square mile, Clarendon is moderately settled, and 60 larger Census places sit within 50 miles. Whether Clarendon has a local branch or not, a Pennsylvania-licensed lender can serve its 401 people online on the same terms. The nearest bigger place is Warren, PA about 5 miles away.
The geography behind Clarendon
The Census Gazetteer records about 0.3 square miles of land within Clarendon, with no significant water area listed. The resulting density is about 1,190 people per square mile. Philadelphia, the largest place in Pennsylvania, is about 240 miles from Clarendon. Counting outward 50 miles, 60 larger communities surround Clarendon. By land area it ranks 851st of 1,013 Pennsylvania places.
How a Clarendon personal loan is priced
A Clarendon personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 401 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Clarendon. A longer term lowers the monthly payment on a Clarendon loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
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Nearby places
- Warren, PA — population 9,125
- Youngsville, PA — population 1,679
- Kane, PA — population 3,499
- Tidioute, PA — population 613
- Sugar Grove, PA — population 544
- Jamestown, NY — population 27,965
- Falconer, NY — population 2,241
- Celoron, NY — population 1,057