Personal loans in Emsworth, PA
With roughly 2,426 residents, Emsworth is a small community, and the lending rules its borrowers live under are written in Pennsylvania, not by the city.
The Census estimates 2,426 residents in Emsworth, which ranks it 383rd of 1,013 places in Pennsylvania. A 2020-to-2023 comparison shows Emsworth down by about 3.8%. Use the calculator on this page to price an amount and term before you commit in Emsworth. For a bigger market, look to Avalon, PA about 2 miles away. A single loan can carry different costs on either side of a state line, and Emsworth sits on the Pennsylvania side of that line.
Emsworth: population, trend and location
The figures below are Emsworth's own — Census population, land area and coordinates — followed by the Pennsylvania rules.
- Population: about 2,426, ranked 383rd of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
- Population trend: Lower by roughly 3.8% since the 2020 count.
- Absolute change: 95 residents lost between 2020 and 2023.
- Size percentile: Emsworth's 2,426 people outrank roughly 62% of the places in Pennsylvania.
- Population density: about 4,264 people per square mile (Census land area 0.6 sq mi).
- By land area: Emsworth ranks 680th among Pennsylvania's 1,013 places, at 0.6 sq mi.
- Water area rank: Emsworth ranks 108th among Pennsylvania's 1,013 places, with 0.12 sq mi.
- Share of Pennsylvania: Emsworth holds about 0.0% of the state's population, some 2,426 people.
- Nationally: Emsworth is the 6,947th-largest of 19,457 Census places in the dataset.
- Growth rank: Emsworth's 2020-to-2023 change ranks 967th of 1,013 places in Pennsylvania.
- Versus Pennsylvania: the state average change is -0.9%, while Emsworth moved 3.8%.
- Density rank: Emsworth is the 165th most densely settled place in Pennsylvania.
- Density in context: Emsworth's 4,264 people per square mile sit against a Pennsylvania median of 1,990.
- Location: 40.5109, -80.0962 (US Census Bureau Gazetteer).
- Nearest larger cities: Avalon (2 mi); Bellevue (2 mi); West View (3 mi); McKees Rocks (3 mi); Coraopolis (3 mi). Larger metros often have more branches, but online lenders reach Emsworth on the same terms.
- Smaller places nearby: Ben Avon (1 mi); Ben Avon Heights (1 mi); Glenfield (2 mi).
- Within a 50-mile radius: 213 smaller Census places.
- Larger places within 100 miles: 247.
Emsworth in state context
Within Pennsylvania, Emsworth holds roughly 0.0% of all residents, the 383rd-largest share among 1,013 places. Its 2020-to-2023 change ranks 967th of 1,013 Pennsylvania places, putting it near the 5th percentile for growth. At about 4,264 people per square mile, Emsworth is the 165th most densely settled place in Pennsylvania. By land area, its 0.6 square miles rank 680th of 1,013 places in Pennsylvania.
Which Pennsylvania laws govern a loan in Emsworth
When Pennsylvania does not publish a figure, the row links to the source instead of inventing a number; Emsworth is bound by the same rules.
| 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 |
| Small-loan / installment lender licensing | Consumer 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 |
The geography behind Emsworth
Emsworth covers about 0.6 square miles of land, with 0.12 square miles of water inside its boundaries (Census Gazetteer). That land carries about 4,264 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 264 miles away. Counting outward 50 miles, 119 larger communities surround Emsworth. By land area it ranks 680th of 1,013 Pennsylvania places.
How a Emsworth personal loan is priced
In Emsworth, a small community of about 2,426, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Emsworth's 2,426 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Emsworth loan but raises total interest, so the smallest payment is not the cheapest loan.
What is available to Emsworth borrowers
Emsworth is fairly dense, with about 4,264 people per square mile and 119 larger places within 50 miles. Lenders licensed in Pennsylvania reach Emsworth's 2,426 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Avalon, PA about 2 miles away.
Common questions
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Nearby places
- Ben Avon, PA — population 1,850
- Ben Avon Heights, PA — population 385
- Avalon, PA — population 4,588
- Bellevue, PA — population 8,000
- Glenfield, PA — population 202
- McKees Rocks, PA — population 5,695
- Haysville, PA — population 79
- West View, PA — population 6,437