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.
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.
- Population: a Census-estimated 1,091, 579th among Pennsylvania's 1,013 places (Vintage 2023).
- Population trend: Roughly 0.9% more residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a gain of about 10 residents.
- Size percentile: bigger than about 43% of the places in Pennsylvania, with 1,091 residents in Ellport.
- Density: the Census land area of 0.4 sq mi holds about 2,543 people per square mile.
- Land area rank: Ellport's 0.4 square miles rank 793rd of 1,013 places in Pennsylvania.
- Water area rank: Ellport ranks 270th among Pennsylvania's 1,013 places, with 0.03 sq mi.
- Share of Pennsylvania: Ellport holds about 0.0% of the state's population, some 1,091 people.
- Nationally: Ellport is the 9,879th-largest of 19,457 Census places in the dataset.
- Growth rank: Ellport ranks 103rd among Pennsylvania's 1,013 places for the 2020-to-2023 change.
- Versus Pennsylvania: the state average change is -0.9%, while Ellport moved 0.9%.
- Density rank: Ellport places 396th among Pennsylvania's places by people per square mile.
- Density vs Pennsylvania: Ellport's 2,543 people per square mile compare with a state median of 1,990.
- Location: 40.8616, -80.2621 (Census Gazetteer coordinates).
- Nearest larger cities: Ellwood City (1 mi); Big Beaver (6 mi); New Beaver (6 mi); West Mayfield (7 mi); Beaver Falls (8 mi). Living near a larger metro rarely changes what is available in Ellport.
- Smaller communities close by: Koppel (3 mi); Wampum (4 mi); Homewood (5 mi), each with its own Census population profile.
- Smaller neighbours: 117 places smaller than Ellport sit within 50 miles.
- At 100 miles: 423 larger Census places fall inside that radius.
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.
| 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 |
| 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 status | No 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):
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Test your amount and term in the personal loan calculator first.
- Shop at least three lenders and judge them on APR and total cost.
- Confirm the lender holds a Pennsylvania licence by checking the regulator named above.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Test the payment against your current bills before you commit.
- 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.
Common questions
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Nearby places
- Ellwood City, PA — population 7,454
- Koppel, PA — population 696
- Wampum, PA — population 546
- Homewood, PA — population 89
- Big Beaver, PA — population 1,837
- Eastvale, PA — population 177
- West Mayfield, PA — population 1,168
- Beaver Falls, PA — population 8,777