Personal loans in Clarksville, PA

State law, not city hall, decides what a lender may do to Clarksville's roughly 186 residents, and a state regulator supervises it. Clarksville is one of 1,013 Census places in Pennsylvania; its 186 residents put it at 939th.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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The first question in Clarksville is not the rate on offer but whether the payment fits; about 186 people live here under Pennsylvania lending law. From the 2020 Census base to the 2023 estimate, the population declined by about 4.1%. Price two or three terms so you can see which payment is truly affordable in Clarksville. The closest larger city is Jefferson, PA about 3 miles away.

Clarksville: the sourced local profile

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

Population: about 186 people live here, which puts Clarksville 939th of 1,013 Census places in Pennsylvania (Vintage 2023).
Population trend: The 2020-to-2023 change is negative, near 4.1%.
People gained or lost: about 8 fewer since the 2020 base.
Size percentile: Clarksville sits ahead of around 7% of Pennsylvania places, at 186 people.
Density: roughly 1,918 residents per square mile, spread over 0.1 sq mi of land.
Land area rank: Clarksville's 0.1 square miles rank 992nd of 1,013 places in Pennsylvania.
State share: roughly 0.0% of Pennsylvania's residents live in Clarksville (186 people).
National rank: Clarksville is the 16,683rd most populous of the 19,457 Census places covered here.
Growth rank: Clarksville ranks 1,001st among Pennsylvania's 1,013 places for the 2020-to-2023 change.
Against the state trend: Clarksville's 4.1% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
Density rank: Clarksville is the 525th most densely settled place in Pennsylvania.
Against the state median: Clarksville runs about 1,918 residents per square mile, where the Pennsylvania median is 1,990.
Location: coordinates 39.9744, -80.0439 (US Census Bureau Gazetteer).
Nearest larger cities: Jefferson (3 mi); Rices Landing (3 mi); Deemston (4 mi); Marianna (4 mi); Centerville (6 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Nearest smaller towns: Coal Center (10 mi); Green Hills (17 mi); Blacksville (20 mi) — useful context for the surrounding area.
Within a 50-mile radius: 21 smaller Census places.
Larger places within 100 miles: 614.

What is available to Clarksville borrowers

Clarksville is a moderately settled community of about 186 people, with 262 larger places inside a 50-mile radius. Whether Clarksville has a local branch or not, a Pennsylvania-licensed lender can serve its 186 people online on the same terms. For a larger market, the closest option is Jefferson, PA about 3 miles away.

Where Clarksville sits

Clarksville covers about 0.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 1,918 people per square mile. The largest place in Pennsylvania, Philadelphia, lies about 260 miles away. Clarksville has 262 larger places within a 50-mile radius. Within the same 50 miles lie 21 smaller Census places.

What Pennsylvania law requires in Clarksville

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

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
Small-loan / installment lender licensing	Consumer 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

Clarksville in state context

Set beside Pennsylvania's 1,013 places, Clarksville ranks 939th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Clarksville ranks 1,001st of 1,013 in Pennsylvania (about the 1th percentile). At about 1,918 people per square mile, Clarksville is the 525th most densely settled place in Pennsylvania. By land area, its 0.1 square miles rank 992nd of 1,013 places in Pennsylvania.

Before you apply in Clarksville

Complete these steps first when you borrow in Clarksville (186 residents):

Get your credit reports, dispute what is wrong, and only then start shopping.
Use the loan calculator to test the payment on your intended amount and term.
Shop at least three lenders and judge them on APR and total cost.
Verify the lender's Pennsylvania licence with the regulator listed on this page.
Test the payment against your current bills before you commit.
Weigh a shorter term's higher payment against the interest it saves.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.

In Clarksville as elsewhere in Pennsylvania, the written terms — not the advertisement — are what count for its 186 residents.

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Common questions

What are my options in Clarksville 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 Clarksville is the same as anywhere in Pennsylvania.

What loan size can I expect in Clarksville?

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 Clarksville?

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 Clarksville 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

Jefferson, PA — population 241
Deemston, PA — population 743
Rices Landing, PA — population 400
Marianna, PA — population 389
Beallsville, PA — population 388
Centerville, PA — population 3,222
Carmichaels, PA — population 409
Cokeburg, PA — population 617