Personal loans in Marianna, PA
Marianna is a small community of about 389 residents, and a personal loan taken out here is governed by Pennsylvania statute. Roughly 389 residents live in Marianna, the 817th-largest community in Pennsylvania.
The 2020 count to the 2023 estimate shows about 1.8% decline in Marianna. Rate ceilings, licensing requirements and product limits for Marianna are all set at the Pennsylvania level. Pull your credit reports and line up at least three offers before you apply from Marianna. The closest larger city is Deemston, PA about 4 miles away.
Local context for Marianna
What follows is Marianna's place in the Census record, alongside the Pennsylvania rules that govern a personal loan made here.
- Population: an estimated 389 residents, 817th of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
- Population trend: Down about 1.8% from the 2020 Census base to the 2023 estimate.
- Absolute change: 7 residents lost between 2020 and 2023.
- Size percentile: with 389 residents, Marianna is larger than about 19% of Pennsylvania's Census places.
- Population density: 199 people per square mile on 2.0 square miles of land.
- By land area: Marianna ranks 217th among Pennsylvania's 1,013 places, at 2.0 sq mi.
- Within Pennsylvania: about 0.0% of the state's population lives in Marianna.
- Nationally: Marianna is the 14,204th-largest of 19,457 Census places in the dataset.
- Growth in Pennsylvania: Marianna stands 595th by percentage change from 2020 to 2023, among 1,013 places.
- Versus Pennsylvania: the state average change is -0.9%, while Marianna moved 1.8%.
- Density rank: Marianna is the 952nd most densely settled place in Pennsylvania.
- Against the state median: Marianna runs about 199 residents per square mile, where the Pennsylvania median is 1,990.
- Location: it lies at 40.0128, -80.1121 in the Census Gazetteer.
- Nearest larger cities: Deemston (4 mi); Cokeburg (7 mi); Rices Landing (8 mi); Ellsworth (8 mi); Centerville (8 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Clarksville (4 mi); Beallsville (6 mi); Jefferson (6 mi).
- Within a 50-mile radius: 59 smaller Census places.
- Within 100 miles: 507 places are larger than Marianna.
Where Marianna sits
Marianna's land area is roughly 2.0 square miles, and the Gazetteer records no significant water area within it. That land carries about 199 people per square mile. The largest place in Pennsylvania, Philadelphia, lies about 263 miles away. Counting outward 50 miles, 237 larger communities surround Marianna. Within the same 50 miles lie 59 smaller Census places.
A practical checklist for Marianna borrowers
These steps shape the offer you get in Marianna, a place of about 389 people:
- Start with the credit file: order the reports, fix the errors, then apply.
- Test your amount and term in the personal loan calculator first.
- Line up several pre-qualified offers and let the APR decide.
- Make sure the lender appears in the Pennsylvania regulator's licence list.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Test the payment against your current bills before you commit.
The process is identical across Pennsylvania; what changes is your credit file, not the fact that Marianna holds 389 people.
What is available to Marianna borrowers
Marianna is a lightly settled community of about 389 people, with 237 larger places inside a 50-mile radius. Distance to a branch rarely matters for Marianna's 389 residents: the application is online and the price follows your credit file. The nearest bigger place is Deemston, PA about 4 miles away.
The state rulebook for Marianna
The rows below set out what a licensed lender must follow in Pennsylvania, and so for Marianna's roughly 389 residents.
| 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 |
Inside a Marianna personal loan
In Marianna, a small community of about 389, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Marianna can be quoted different APRs on the same amount and term. The term you choose in Marianna decides the split between a comfortable payment and the total interest you pay.
Common questions
What are my options in Marianna if my credit is poor?
What loan size can I expect in Marianna?
Do I have to pledge anything to borrow in Marianna?
Does comparing loans in Marianna cost me credit score points?
Nearby places
- Clarksville, PA — population 186
- Deemston, PA — population 743
- Beallsville, PA — population 388
- Jefferson, PA — population 241
- Cokeburg, PA — population 617
- Ellsworth, PA — population 925
- Rices Landing, PA — population 400
- Waynesburg, PA — population 3,728