Personal loans in Claysville, PA

With 719 residents, Claysville outranks about 33% of the communities in Pennsylvania. Two households in Claysville with comparable incomes can still be offered different rates; the city's 719 residents are not the reason.

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.

From the 2020 Census base to the 2023 estimate, the population declined by about 1.4%. Judge Claysville offers on total cost, not on how quickly the money arrives. Consumer lending that reaches Claysville's 719 residents is governed by Pennsylvania statute; no city ordinance changes it. Borrowers who want a bigger city can look to Washington, PA about 10 miles away.

Claysville: population, trend and location

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

How personal loans work in Claysville

A Claysville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 719 residents. Federal Truth in Lending rules require a Claysville lender to disclose the APR and finance charge before you sign. Shortening the term on a Claysville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How lenders reach Claysville

Claysville is fairly dense, with about 2,327 people per square mile and 200 larger places within 50 miles. What is available to Claysville's 719 borrowers is set by Pennsylvania licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Washington, PA about 10 miles away.

Claysville in state context

Among Pennsylvania's 1,013 places, Claysville sits at 678th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Claysville stands 518th among Pennsylvania's 1,013 places — roughly the 49th percentile. Its roughly 2,327 residents per square mile place it 439th among Pennsylvania's places. By land area, its 0.3 square miles rank 872nd of 1,013 places in Pennsylvania.

Where Claysville sits

Claysville's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 2,327 residents per square mile. Philadelphia, the largest place in Pennsylvania, is about 279 miles from Claysville. Claysville has 200 larger places within a 50-mile radius. By land area it ranks 872nd of 1,013 Pennsylvania places.

The state rulebook for Claysville

Pennsylvania has no separate rate rule for Claysville; the sourced rows below are what reach every lender that serves its 719 people.

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

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

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