Personal loans in Elizabethville, PA

With roughly 1,340 residents, Elizabethville is a small community, and the lending rules its borrowers live under are written in Pennsylvania, not by the city.

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

Compare loan offers Run the numbers first

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.

Elizabethville is home to roughly 1,340 people and stands 529th by size out of 1,013 Census places in Pennsylvania. Borrowers who want a bigger city can look to Lykens, PA about 6 miles away. The trend for Elizabethville between 2020 and 2023 is downward by roughly 0.7%. Which products a lender may offer to Elizabethville's 1,340 residents follows from the Pennsylvania consumer-lending framework. Price two or three terms so you can see which payment is truly affordable in Elizabethville.

Borrowing in Elizabethville: the local picture

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

Elizabethville in state context

Against Pennsylvania's other places, Elizabethville accounts for about 0.0% of the state's population and ranks 529th of 1,013 by size. Its 2020-to-2023 change ranks 388th of 1,013 Pennsylvania places, putting it near the 62th percentile for growth. At about 2,450 people per square mile, Elizabethville is the 416th most densely settled place in Pennsylvania. In land area, Elizabethville ranks 694th among Pennsylvania's 1,013 places.

Which Pennsylvania laws govern a loan in Elizabethville

These are Pennsylvania's sourced lending facts as they reach Elizabethville's 1,340 residents; the state has no city-level rate rule.

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
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
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

A pre-application checklist for Elizabethville

Before you apply in Elizabethville, a community of about 1,340, work through these steps:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Make sure the lender appears in the Pennsylvania regulator's licence list.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Write down the purpose of the loan and your repayment plan before you apply.

In Elizabethville as elsewhere in Pennsylvania, the written terms — not the advertisement — are what count for its 1,340 residents.

Elizabethville on the map

Elizabethville covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 2,450 people per square mile. Philadelphia, the largest place in Pennsylvania, is about 96 miles from Elizabethville. Counting outward 50 miles, 115 larger communities surround Elizabethville. The 100-mile radius contains 373 larger places.

How lenders reach Elizabethville

Elizabethville is fairly dense, with about 2,450 people per square mile and 115 larger places within 50 miles. Whether Elizabethville has a local branch or not, a Pennsylvania-licensed lender can serve its 1,340 people online on the same terms. For a larger market, the closest option is Lykens, PA about 6 miles away.

Compare personal loan offers Run the numbers first

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