Personal loans in Evans City, PA
Evans City, Pennsylvania — home to about 1,689 people — is a small community, so the terms you are offered follow Pennsylvania law rather than any local rule.
With an estimated 1,689 residents, Evans City is the 468th-largest of 1,013 places in Pennsylvania. The closest larger place is Zelienople, PA about 4 miles away. From the 2020 Census base to the 2023 estimate, the population declined by about 3.0%. Which products a lender may offer to Evans City's 1,689 residents follows from the Pennsylvania consumer-lending framework. Judge Evans City offers on total cost, not on how quickly the money arrives.
Borrowing in Evans City: the local picture
Read the local figures below as context; read the sourced Pennsylvania table as the rulebook a lender here must follow.
- Population: an estimated 1,689 residents, 468th of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
- Population trend: A decline of about 3.0% across the 2020-to-2023 comparison.
- Net change: roughly 52 fewer people than the 2020 Census counted.
- Size percentile: bigger than about 54% of the places in Pennsylvania, with 1,689 residents in Evans City.
- Land and density: 0.8 square miles of land carry roughly 2,065 residents per square mile.
- Land area rank: Evans City's 0.8 square miles rank 530th of 1,013 places in Pennsylvania.
- State population share: Evans City accounts for about 0.0% of everyone in Pennsylvania.
- National standing: Evans City ranks 8,261st of 19,457 US places.
- Growth in Pennsylvania: Evans City stands 889th by percentage change from 2020 to 2023, among 1,013 places.
- Against the state trend: Evans City's 3.0% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density rank: Evans City is the 494th most densely settled place in Pennsylvania.
- Against the state median: Evans City runs about 2,065 residents per square mile, where the Pennsylvania median is 1,990.
- Location: it lies at 40.7685, -80.0584 in the Census Gazetteer.
- Nearest larger cities: Zelienople (4 mi); Seven Fields (6 mi); Butler (11 mi); Economy (11 mi); Conway (12 mi). Larger metros often have more branches, but online lenders reach Evans City on the same terms.
- Nearest smaller towns: Callery (2 mi); Connoquenessing (4 mi); Harmony (4 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 177 of them.
- Larger places within 100 miles: 345.
Evans City in state context
Against Pennsylvania's other places, Evans City accounts for about 0.0% of the state's population and ranks 468th of 1,013 by size. For population change between 2020 and 2023, Evans City ranks 889th of 1,013 in Pennsylvania (about the 12th percentile). Its roughly 2,065 residents per square mile place it 494th among Pennsylvania's places. Between 2020 and 2023 the count changed by roughly 52 residents.
Where Evans City sits
Evans City's land area is roughly 0.8 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 2,065 residents per square mile. The largest place in Pennsylvania, Philadelphia, lies about 264 miles away. A 50-mile radius around Evans City takes in 152 places that are larger. The 100-mile radius contains 345 larger places.
How personal loans work in Evans City
With roughly 1,689 residents, Evans City is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Evans City can be quoted different APRs on the same amount and term. Shortening the term on a Evans City loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Pennsylvania rules behind a Evans City personal loan
This table holds the Pennsylvania rate and licensing rules for consumer loans made to Evans City's 1,689 residents.
| 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 |
| 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 |
Borrowing reach in Evans City
Evans City is a fairly dense community of about 1,689 people, with 152 larger places inside a 50-mile radius. Lenders licensed in Pennsylvania reach Evans City's 1,689 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Zelienople, PA about 4 miles away.
Common questions
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Nearby places
- Callery, PA — population 349
- Connoquenessing, PA — population 755
- Harmony, PA — population 926
- Seven Fields, PA — population 2,862
- Zelienople, PA — population 3,791
- Mars, PA — population 1,425
- Valencia, PA — population 690
- Prospect, PA — population 1,091