Personal loans in Mayfield, PA

Population in Mayfield dropped about 0.4% over the three years from 2020 to 2023. The Census estimates 1,763 residents in Mayfield, which ranks it 459th of 1,013 places in Pennsylvania.

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.

If you are weighing a personal loan in Mayfield, start from the payment you can carry; its 1,763 residents face the same statewide rules. Price two or three terms so you can see which payment is truly affordable in Mayfield. A single loan can carry different costs on either side of a state line, and Mayfield sits on the Pennsylvania side of that line. The nearest larger city is Jermyn, PA about 1 miles away.

Mayfield: population, trend and location

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

The geography behind Mayfield

Inside Mayfield's boundaries lie about 2.4 square miles of land, with no significant water area recorded. The resulting density is about 721 people per square mile. Philadelphia, the largest place in Pennsylvania, is about 108 miles from Mayfield. Within 50 miles of Mayfield there are 58 larger Census places. The 100-mile radius contains 429 larger places.

What to do before borrowing in Mayfield

Before you hand your details to a lender in Mayfield, where the population is near 1,763:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Test your amount and term in the personal loan calculator first.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Confirm the Pennsylvania licence with the regulator named above before committing.
  5. Keep the amount to the expense; an approval is not a reason to take more.
  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.

The process is identical across Pennsylvania; what changes is your credit file, not the fact that Mayfield holds 1,763 people.

How Pennsylvania law applies in Mayfield

This table holds the Pennsylvania rate and licensing rules for consumer loans made to Mayfield's 1,763 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
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

Mayfield in state context

Within Pennsylvania, Mayfield holds roughly 0.0% of all residents, the 459th-largest share among 1,013 places. On the 2020-to-2023 trend, Mayfield stands 326th among Pennsylvania's 1,013 places — roughly the 68th percentile. At about 721 people per square mile, Mayfield is the 796th most densely settled place in Pennsylvania. Within 50 miles sit 62 smaller Census places, alongside the 58 that are larger.

Borrowing reach in Mayfield

With about 721 residents per square mile, Mayfield is moderately settled, and 58 larger Census places sit within 50 miles. Whether Mayfield has a local branch or not, a Pennsylvania-licensed lender can serve its 1,763 people online on the same terms. The nearest bigger place is Jermyn, PA about 1 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 Mayfield 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 Mayfield is the same as anywhere in Pennsylvania.
What loan size can I expect in Mayfield?
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 Mayfield?
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 Mayfield 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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