Personal loans in Matamoras, PA

For the 2,417 people in Matamoras, Pennsylvania runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.

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 Census counts 2,417 people in Matamoras, the 384th-largest figure among Pennsylvania's 1,013 places. Personal loans in Matamoras are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 2,417 population. Matamoras gained roughly 2.3% in population across the 2020-to-2023 comparison. Price two or three terms so you can see which payment is truly affordable in Matamoras. The next larger city is Port Jervis, NY about 1 miles away.

Matamoras by the numbers

Read the local figures below as context; read the sourced Pennsylvania table as the rulebook a lender here must follow.

Getting a loan in Matamoras

Matamoras is a fairly dense community of about 2,417 people, with 161 larger places inside a 50-mile radius. Whether Matamoras has a local branch or not, a Pennsylvania-licensed lender can serve its 2,417 people online on the same terms. The nearest larger city, Port Jervis, NY about 1 miles away.

What to do before borrowing in Matamoras

Before you hand your details to a lender in Matamoras, where the population is near 2,417:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  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. Verify the lender's Pennsylvania licence with the regulator listed on this page.
  5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  6. Decide the purpose and how you will repay it before approaching any lender.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

In Matamoras as elsewhere in Pennsylvania, the written terms — not the advertisement — are what count for its 2,417 residents.

Pennsylvania consumer-lending rules applied in Matamoras

Every row below records a Pennsylvania rule, its publisher and its retrieval date — the same rules a Matamoras lender must follow.

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

Land, water and location for Matamoras

The Census Gazetteer records 0.7 square miles of land and 0.09 square miles of water within Matamoras. With 2,417 residents, the land area yields roughly 3,488 people per square mile. Philadelphia, the largest place in Pennsylvania, is about 96 miles from Matamoras. Matamoras has 161 larger places within a 50-mile radius. By land area it ranks 603rd of 1,013 Pennsylvania places.

Matamoras against the rest of Pennsylvania

Matamoras is the 384th-largest of 1,013 Census places in Pennsylvania and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Matamoras stands 50th among Pennsylvania's 1,013 places — roughly the 95th percentile. By density, at about 3,488 people per square mile, it ranks 247th in Pennsylvania. In land area, Matamoras ranks 603rd among Pennsylvania's 1,013 places.

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