Personal loans in Ellport, PA

Ellport counts about 1,091 people, and what is genuinely local about borrowing here is limited — Pennsylvania law does the governing. Ellport gained roughly 0.9% in population across the 2020-to-2023 comparison.

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.

An estimated 1,091 people make their home in Ellport, a figure that ranks 579th in Pennsylvania. Compare APR, not the interest rate, because the APR folds in most fees on a Ellport loan. State law, not city hall, decides what a lender may do to Ellport's roughly 1,091 residents, and a state regulator supervises it. For a bigger market, look to Ellwood City, PA about 1 miles away.

Borrowing in Ellport: the local picture

Ellport is a small community; the notes below cover its population profile and the statewide rules that apply.

Borrowing reach in Ellport

At roughly 2,543 people per square mile, Ellport is fairly dense; 173 larger places lie within 50 miles. Distance to a branch rarely matters for Ellport's 1,091 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Ellwood City, PA about 1 miles away.

Land, water and location for Ellport

Ellport covers about 0.4 square miles of land, with 0.03 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 2,543 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 276 miles. Ellport has 173 larger places within a 50-mile radius. By land area it ranks 793rd of 1,013 Pennsylvania places.

The state rulebook for Ellport

These are Pennsylvania's sourced lending facts as they reach Ellport's 1,091 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
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

The Ellport borrowing checklist

Complete these steps first when you borrow in Ellport (1,091 residents):

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Test your amount and term in the personal loan calculator first.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Confirm the lender holds a Pennsylvania licence by checking the regulator named above.
  5. Check the disclosure for fees that raise the true cost above the quoted rate.
  6. Test the payment against your current bills before you commit.
  7. Pick the shortest term whose payment you can comfortably afford.

None of these steps is Ellport-specific: the same Pennsylvania licensing and disclosure rules reach all 1,091 residents.

Ellport against the rest of Pennsylvania

Among Pennsylvania's 1,013 places, Ellport sits at 579th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Ellport stands 103rd among Pennsylvania's 1,013 places — roughly the 90th percentile. At about 2,543 people per square mile, Ellport is the 396th most densely settled place in Pennsylvania. Between 2020 and 2023 the count changed by roughly 10 residents.

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

Related