Personal loans in Lilly, PA

Population in Lilly dropped about 2.2% over the three years from 2020 to 2023. The first question in Lilly is not the rate on offer but whether the payment fits; about 857 people live here under Pennsylvania lending law.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

With 857 residents, Lilly outranks about 37% of the communities in Pennsylvania. Borrowers who want a bigger city can look to Cresson, PA about 3 miles away. A lender that serves Lilly operates under Pennsylvania lending statutes and a Pennsylvania supervisor. Compare APR, not the interest rate, because the APR folds in most fees on a Lilly loan.

Local context for Lilly

What follows is Lilly's place in the Census record, alongside the Pennsylvania rules that govern a personal loan made here.

Borrowing reach in Lilly

With about 1,690 residents per square mile, Lilly is moderately settled, and 58 larger Census places sit within 50 miles. Distance to a branch rarely matters for Lilly's 857 residents: the application is online and the price follows your credit file. The nearest larger city, Cresson, PA about 3 miles away.

How Lilly compares across Pennsylvania

Against Pennsylvania's other places, Lilly accounts for about 0.0% of the state's population and ranks 634th of 1,013 by size. For population change between 2020 and 2023, Lilly ranks 693rd of 1,013 in Pennsylvania (about the 32th percentile). By density, at about 1,690 people per square mile, it ranks 566th in Pennsylvania. The population moved by about 19 people between 2020 and 2023, a 2.2% shift.

Lilly on the map

Inside Lilly's boundaries lie about 0.5 square miles of land, with no significant water area recorded. The resulting density is about 1,690 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 186 miles. Within 50 miles of Lilly there are 58 larger Census places. Within the same 50 miles lie 100 smaller Census places.

What Pennsylvania law requires in Lilly

For the roughly 857 residents of Lilly, the rules below are Pennsylvania's own; each row carries its publisher and retrieval date.

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
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

A practical checklist for Lilly borrowers

Before you hand your details to a lender in Lilly, where the population is near 857:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Check the Pennsylvania regulator's records to confirm the lender is licensed here.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Decide the purpose and how you will repay it before approaching any lender.

What differs between Lilly and the rest of Pennsylvania is not the process but the borrower's own file, among the 857 people here.

Compare personal loan offers Run the numbers first

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