Personal loans in Mansfield, PA

Mansfield is home to roughly 3,058 people and stands 314th by size out of 1,013 Census places in Pennsylvania. A personal loan in Mansfield is priced from your credit file and income, not from the fact that the city holds 3,058 people.

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.

The 2020 count to the 2023 estimate shows about 7.3% growth in Mansfield. Price two or three terms so you can see which payment is truly affordable in Mansfield. Every figure below is Pennsylvania's own, applied to Mansfield's 3,058 residents, with the publisher and retrieval date attached. The nearest larger city is Wellsboro, PA about 12 miles away.

Borrowing in Mansfield: the local picture

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

The geography behind Mansfield

The Census Gazetteer records about 1.9 square miles of land within Mansfield, with no significant water area listed. The resulting density is about 1,623 people per square mile. The largest place in Pennsylvania, Philadelphia, lies about 160 miles away. Within 50 miles of Mansfield there are 17 larger Census places. The 100-mile radius contains 115 larger places.

The Mansfield borrowing checklist

A sensible order of operations for a loan in Mansfield, home to about 3,058 people:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Test your amount and term in the personal loan calculator first.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the Pennsylvania licence with the regulator named above before committing.
  5. Borrow only what the purpose requires, not the maximum you are offered.
  6. Be clear on what the loan is for and how it gets repaid.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

What differs between Mansfield and the rest of Pennsylvania is not the process but the borrower's own file, among the 3,058 people here.

Mansfield's place among Pennsylvania's 1,013 places

Among Pennsylvania's 1,013 places, Mansfield sits at 314th for population, a share of roughly 0.1% of the state. Its 2020-to-2023 change ranks 17th of 1,013 Pennsylvania places, putting it near the 98th percentile for growth. By density, at about 1,623 people per square mile, it ranks 583rd in Pennsylvania. In land area, Mansfield ranks 234th among Pennsylvania's 1,013 places.

The state rulebook for Mansfield

This table holds the Pennsylvania rate and licensing rules for consumer loans made to Mansfield's 3,058 residents.

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

Lender access in Mansfield

Mansfield is a moderately settled community of about 3,058 people, with 17 larger places inside a 50-mile radius. What is available to Mansfield's 3,058 borrowers is set by Pennsylvania licensing and your own credit, not by how many branches are nearby. The nearest larger city, Wellsboro, PA about 12 miles away.

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