Personal loans in Madison, PA

If you are weighing a personal loan in Madison, start from the payment you can carry; its 357 residents face the same statewide rules.

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

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Consumer lending that reaches Madison's 357 residents is governed by Pennsylvania statute; no city ordinance changes it. The Census counts 357 people in Madison, the 837th-largest figure among Pennsylvania's 1,013 places. If debt is already a strain, a nonprofit credit counsellor can help Madison residents before they take on more. A 2020-to-2023 comparison shows Madison down by about 1.9%. For a bigger market, look to New Stanton, PA about 4 miles away.

Madison: population, trend and location

Set out below is Madison's local context next to the state-level rules that reach every lender here.

Population: the Census counts 357 residents in Madison (Vintage 2023 subcounty estimate), the 837th-largest figure among Pennsylvania's 1,013 places.
Population trend: A decline of about 1.9% across the 2020-to-2023 comparison.
People gained or lost: about 7 fewer since the 2020 base.
Size percentile: about 17% of Pennsylvania's Census places are smaller than Madison.
Land and density: 0.4 square miles of land carry roughly 819 residents per square mile.
By land area: Madison ranks 786th among Pennsylvania's 1,013 places, at 0.4 sq mi.
State population share: Madison accounts for about 0.0% of everyone in Pennsylvania.
National standing: Madison ranks 14,529th of 19,457 US places.
Growth rank: Madison ranks 628th among Pennsylvania's 1,013 places for the 2020-to-2023 change.
State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Madison's 1.9%.
Density in Pennsylvania: Madison ranks 775th by people per square mile.
Density in context: Madison's 819 people per square mile sit against a Pennsylvania median of 1,990.
Location: 40.2456 / -79.6749, per the US Census Bureau Gazetteer.
Nearest larger cities: New Stanton (4 mi); Youngwood (5 mi); Irwin (6 mi); West Newton (6 mi); Penn (6 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Smaller places nearby: Arona (2 mi); Hunker (4 mi); Adamsburg (5 mi).
Smaller places within 50 miles: 50 of them.
Larger places within 100 miles: 520.

What to do before borrowing in Madison

For Madison's roughly 357 residents, these are the steps that most influence the offer:

Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
Model the payment on the calculator before a lender models it for you.
Get several pre-qualifications and compare APR side by side before choosing.
Check the Pennsylvania regulator's records to confirm the lender is licensed here.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Be clear on what the loan is for and how it gets repaid.
If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

What differs between Madison and the rest of Pennsylvania is not the process but the borrower's own file, among the 357 people here.

Madison: area, density and distance

Madison's land area is roughly 0.4 square miles, and the Gazetteer records no significant water area within it. That land carries about 819 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 240 miles away. Madison has 254 larger places within a 50-mile radius. Within the same 50 miles lie 50 smaller Census places.

Inside a Madison personal loan

In Madison, a small community of about 357, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Madison's 357 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Madison decides the split between a comfortable payment and the total interest you pay.

Lender access in Madison

Madison is a moderately settled community of about 357 people, with 254 larger places inside a 50-mile radius. What is available to Madison's 357 borrowers is set by Pennsylvania licensing and your own credit, not by how many branches are nearby. The nearest bigger place is New Stanton, PA about 4 miles away.

Which Pennsylvania laws govern a loan in Madison

These are Pennsylvania's sourced lending facts as they reach Madison's 357 residents; the state has no city-level rate rule.

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

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Common questions

What are my options in Madison 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 Madison is the same as anywhere in Pennsylvania.

What loan size can I expect in Madison?

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 Madison?

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 Madison 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.

Nearby places

Arona, PA — population 248
Adamsburg, PA — population 142
New Stanton, PA — population 2,285
Hunker, PA — population 303
Irwin, PA — population 3,813
Penn, PA — population 620
Youngwood, PA — population 2,910
North Irwin, PA — population 814