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.
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.
- Population: the Census counts 2,417 residents in Matamoras (Vintage 2023 subcounty estimate), the 384th-largest figure among Pennsylvania's 1,013 places.
- Population trend: The 2020-to-2023 change is positive, near 2.3%.
- Change in people: the 2020-to-2023 comparison is a gain of about 55 residents.
- Size percentile: roughly 62% of Pennsylvania's places have fewer residents than Matamoras's 2,417.
- Density: roughly 3,488 residents per square mile, spread over 0.7 sq mi of land.
- Land area rank: Matamoras's 0.7 square miles rank 603rd of 1,013 places in Pennsylvania.
- Water: Matamoras holds about 0.09 square miles, the 142nd-largest water area in Pennsylvania.
- Within Pennsylvania: about 0.0% of the state's population lives in Matamoras.
- National rank: Matamoras is the 6,962nd most populous of the 19,457 Census places covered here.
- Growth rank: Matamoras's 2020-to-2023 change ranks 50th of 1,013 places in Pennsylvania.
- Versus Pennsylvania: the state average change is -0.9%, while Matamoras moved 2.3%.
- Density in Pennsylvania: Matamoras ranks 247th by people per square mile.
- Density vs Pennsylvania: Matamoras's 3,488 people per square mile compare with a state median of 1,990.
- Location: the Census Gazetteer records it at 41.3666, -74.6997.
- Nearest larger cities: Port Jervis (1 mi); Middletown (15 mi); Hamburg (16 mi); Florida (18 mi); Franklin (19 mi). Living near a larger metro rarely changes what is available in Matamoras.
- Smaller places close by: Milford (6 mi); Unionville (8 mi); Otisville (11 mi).
- Within a 50-mile radius: 43 smaller Census places.
- Larger places within 100 miles: 478.
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:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Use the loan calculator to test the payment on your intended amount and term.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Verify the lender's Pennsylvania licence with the regulator listed on this page.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Decide the purpose and how you will repay it before approaching any lender.
- 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.
| 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 |
| 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.
Common questions
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Nearby places
- Port Jervis, NY — population 8,565
- Milford, PA — population 1,128
- Unionville, NY — population 635
- Sussex, NJ — population 2,050
- Otisville, NY — population 994
- Branchville, NJ — population 808
- Hamburg, NJ — population 3,331
- Franklin, NJ — population 5,008