Personal loans in Ingram, PA
Which products a lender may offer to Ingram's 3,259 residents follows from the Pennsylvania consumer-lending framework.
If you are weighing a personal loan in Ingram, start from the payment you can carry; its 3,259 residents face the same statewide rules. The Census counts 3,259 people in Ingram, the 295th-largest figure among Pennsylvania's 1,013 places. Ingram shed about 3.8% of its population between the 2020 base and the 2023 estimate. Price two or three terms so you can see which payment is truly affordable in Ingram. For a bigger market, look to Crafton, PA about 1 miles away.
Ingram by the numbers
Read the local figures below as context; read the sourced Pennsylvania table as the rulebook a lender here must follow.
- Population: about 3,259 people live here, which puts Ingram 295th of 1,013 Census places in Pennsylvania (Vintage 2023).
- Population trend: A decline of about 3.8% across the 2020-to-2023 comparison.
- Net change: roughly 129 fewer people than the 2020 Census counted.
- Size percentile: with 3,259 residents, Ingram is larger than about 71% of Pennsylvania's Census places.
- Population density: about 7,509 people per square mile across 0.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Ingram covers 0.4 square miles, the 787th-largest area among Pennsylvania's 1,013 places.
- Within Pennsylvania: about 0.1% of the state's population lives in Ingram.
- National rank: Ingram is the 6,021st most populous of the 19,457 Census places covered here.
- Growth in Pennsylvania: Ingram stands 984th by percentage change from 2020 to 2023, among 1,013 places.
- State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Ingram's 3.8%.
- Density rank: Ingram is the 39th most densely settled place in Pennsylvania.
- Against the state median: Ingram runs about 7,509 residents per square mile, where the Pennsylvania median is 1,990.
- Location: mapped by the US Census Bureau at 40.4448, -80.0685.
- Nearest larger cities: Crafton (1 mi); McKees Rocks (2 mi); Green Tree (2 mi); Carnegie (3 mi); Bellevue (3 mi). Living near a larger metro rarely changes what is available in Ingram.
- Nearest smaller places: Thornburg (1 mi); Rosslyn Farms (2 mi); Pennsbury Village (2 mi).
- Within a 50-mile radius: 236 smaller Census places.
- At 100 miles: 191 larger Census places fall inside that radius.
Ingram's place among Pennsylvania's 1,013 places
Within Pennsylvania, Ingram holds roughly 0.1% of all residents, the 295th-largest share among 1,013 places. Its 2020-to-2023 change ranks 984th of 1,013 Pennsylvania places, putting it near the 3th percentile for growth. At about 7,509 people per square mile, Ingram is the 39th most densely settled place in Pennsylvania. By land area, its 0.4 square miles rank 787th of 1,013 places in Pennsylvania.
The Ingram borrowing checklist
For Ingram's roughly 3,259 residents, these are the steps that most influence the offer:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the lender holds a Pennsylvania licence by checking the regulator named above.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Make sure the new payment leaves room in a budget you already keep.
The process is identical across Pennsylvania; what changes is your credit file, not the fact that Ingram holds 3,259 people.
Ingram on the map
Ingram's land area is roughly 0.4 square miles, and the Gazetteer records no significant water area within it. That land carries about 7,509 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 262 miles. A 50-mile radius around Ingram takes in 92 places that are larger. Within the same 50 miles lie 236 smaller Census places.
What shapes a Ingram personal loan
In Ingram, a small community of about 3,259, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Ingram loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Ingram decides the split between a comfortable payment and the total interest you pay.
How Pennsylvania law applies in Ingram
When Pennsylvania does not publish a figure, the row links to the source instead of inventing a number; Ingram 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 |
| 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 |
Common questions
What are my options in Ingram if my credit is poor?
What loan size can I expect in Ingram?
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Does comparing loans in Ingram cost me credit score points?
Nearby places
- Crafton, PA — population 5,866
- Thornburg, PA — population 452
- McKees Rocks, PA — population 5,695
- Rosslyn Farms, PA — population 424
- Green Tree, PA — population 4,755
- Pennsbury Village, PA — population 650
- Carnegie, PA — population 7,847
- Bellevue, PA — population 8,000