Personal loans in Laflin, PA

For a borrower among the roughly 1,455 residents of Laflin, a personal loan is a tool whose cost turns on the terms, not the address. Laflin added about 0.8% to its population between the 2020 base and the 2023 estimate.

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 1,455 people make their home in Laflin, a figure that ranks 508th in Pennsylvania. For a community of about 1,455, the practical step is to compare APR across at least three lenders before committing. State law, not city hall, decides what a lender may do to Laflin's roughly 1,455 residents, and a state regulator supervises it. The nearest larger metro is Pittston, PA about 3 miles away.

The Laflin data picture

Only a few things actually differ by place — population, area, location, and the Pennsylvania rules a lender must follow — and they are below.

Where Laflin sits

Laflin covers about 1.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 1,110 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 95 miles. Counting outward 50 miles, 89 larger communities surround Laflin. Within the same 50 miles lie 78 smaller Census places.

How Laflin compares across Pennsylvania

Set beside Pennsylvania's 1,013 places, Laflin ranks 508th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Laflin ranks 114th of 1,013 in Pennsylvania (about the 89th percentile). By density, at about 1,110 people per square mile, it ranks 699th in Pennsylvania. The population moved by about 11 people between 2020 and 2023, a 0.8% shift.

Lender access in Laflin

Laflin is a moderately settled community of about 1,455 people, with 89 larger places inside a 50-mile radius. Distance to a branch rarely matters for Laflin's 1,455 residents: the application is online and the price follows your credit file. The nearest bigger place is Pittston, PA about 3 miles away.

The anatomy of a Laflin personal loan

A Laflin personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,455 residents. A lender serving Laflin's 1,455 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Laflin decides the split between a comfortable payment and the total interest you pay.

The Pennsylvania lending rules that reach Laflin

Pennsylvania has no separate rate rule for Laflin; the sourced rows below are what reach every lender that serves its 1,455 people.

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

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

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