Personal loans in Crafton, PA

The Census counts 5,866 people in Crafton, the 153rd-largest figure among Pennsylvania's 1,013 places.

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.

Crafton is a small town in Pennsylvania, with an estimated 5,866 residents, and every licensed lender here follows the same state rulebook. Judge Crafton offers on total cost, not on how quickly the money arrives. State law, not city hall, decides what a lender may do to Crafton's roughly 5,866 residents, and a state regulator supervises it. A 2020-to-2023 comparison shows Crafton down by about 3.8%. Borrowers who want a bigger city can look to Carnegie, PA about 2 miles away.

The Crafton data picture

Here is the sourced Census picture for Crafton, plus the Pennsylvania lending rules that apply to a loan taken out here.

The anatomy of a Crafton personal loan

Most loans made to Crafton's 5,866 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Crafton lender to disclose the APR and finance charge before you sign. The term you choose in Crafton decides the split between a comfortable payment and the total interest you pay.

How lenders reach Crafton

At roughly 5,137 people per square mile, Crafton is densely built; 49 larger places lie within 50 miles. Lenders licensed in Pennsylvania reach Crafton's 5,866 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Carnegie, PA about 2 miles away.

Crafton: area, density and distance

Inside Crafton's boundaries lie about 1.1 square miles of land, with no significant water area recorded. The resulting density is about 5,137 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 262 miles. A 50-mile radius around Crafton takes in 49 places that are larger. Within the same 50 miles lie 280 smaller Census places.

The Pennsylvania lending rules that reach Crafton

Every row below records a Pennsylvania rule, its publisher and its retrieval date — the same rules a Crafton lender must follow.

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
Small-loan / installment lender licensingConsumer 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

Crafton in state context

Among Pennsylvania's 1,013 places, Crafton sits at 153rd for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Crafton stands 972nd among Pennsylvania's 1,013 places — roughly the 4th percentile. By density, at about 5,137 people per square mile, it ranks 107th in Pennsylvania. In land area, Crafton ranks 389th 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 Crafton 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 Crafton is the same as anywhere in Pennsylvania.
What loan size can I expect in Crafton?
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 Crafton?
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 Crafton 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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