Personal loans in McDonald, PA
The 2020 count to the 2023 estimate shows about 1.8% decline in McDonald. The Census estimates 2,017 residents in McDonald, which ranks it 423rd of 1,013 places in Pennsylvania.
With roughly 2,017 residents, McDonald is a small community, and the lending rules its borrowers live under are written in Pennsylvania, not by the city. Verify the lender's Pennsylvania licence against the regulator named below before borrowing in McDonald. When Pennsylvania caps or restricts a product, lenders either change the terms or withdraw it from McDonald as from the rest of the state. The closest larger place is Bridgeville, PA about 7 miles away.
McDonald: the sourced local profile
Only a few things actually differ by place — population, area, location, and the Pennsylvania rules a lender must follow — and they are below.
- Population: the Census counts 2,017 residents in McDonald (Vintage 2023 subcounty estimate), the 423rd-largest figure among Pennsylvania's 1,013 places.
- Population trend: A decline of about 1.8% across the 2020-to-2023 comparison.
- Net change: roughly 38 fewer people than the 2020 Census counted.
- Size percentile: bigger than about 58% of the places in Pennsylvania, with 2,017 residents in McDonald.
- Density: the Census land area of 0.5 sq mi holds about 3,894 people per square mile.
- Land area rank: McDonald's 0.5 square miles rank 715th of 1,013 places in Pennsylvania.
- Share of Pennsylvania: McDonald holds about 0.0% of the state's population, some 2,017 people.
- National standing: McDonald ranks 7,594th of 19,457 US places.
- Growth rank: McDonald's 2020-to-2023 change ranks 611th of 1,013 places in Pennsylvania.
- Against the state trend: McDonald's 1.8% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density rank: McDonald places 200th among Pennsylvania's places by people per square mile.
- Against the state median: McDonald runs about 3,894 residents per square mile, where the Pennsylvania median is 1,990.
- Location: coordinates 40.3701, -80.2325 (US Census Bureau Gazetteer).
- Nearest larger cities: Bridgeville (7 mi); Canonsburg (8 mi); Carnegie (8 mi); Crafton (10 mi); Green Tree (10 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller places: Midway (3 mi); Oakdale (3 mi); Heidelberg (8 mi).
- Smaller places within 50 miles: 189 of them.
- Larger places within 100 miles: 273.
How a McDonald personal loan is priced
With roughly 2,017 residents, McDonald is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than McDonald's rank of 423rd in Pennsylvania: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a McDonald loan but raises total interest, so the smallest payment is not the cheapest loan.
McDonald against the rest of Pennsylvania
Set beside Pennsylvania's 1,013 places, McDonald ranks 423rd by population and holds about 0.0% of the state total. For population change between 2020 and 2023, McDonald ranks 611th of 1,013 in Pennsylvania (about the 40th percentile). At about 3,894 people per square mile, McDonald is the 200th most densely settled place in Pennsylvania. Within 50 miles sit 189 smaller Census places, alongside the 133 that are larger.
The state rulebook for McDonald
This table holds the Pennsylvania rate and licensing rules for consumer loans made to McDonald's 2,017 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 |
| 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 |
Where McDonald sits
McDonald covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 3,894 residents per square mile. Philadelphia, the largest place in Pennsylvania, is about 270 miles from McDonald. Counting outward 50 miles, 133 larger communities surround McDonald. By land area it ranks 715th of 1,013 Pennsylvania places.
What is available to McDonald borrowers
At roughly 3,894 people per square mile, McDonald is fairly dense; 133 larger places lie within 50 miles. Lenders licensed in Pennsylvania reach McDonald's 2,017 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Bridgeville, PA about 7 miles away.
Common questions
What are my options in McDonald if my credit is poor?
What loan size can I expect in McDonald?
Do I have to pledge anything to borrow in McDonald?
Does comparing loans in McDonald cost me credit score points?
Nearby places
- Oakdale, PA — population 1,428
- Midway, PA — population 915
- Canonsburg, PA — population 9,629
- Houston, PA — population 1,152
- Bridgeville, PA — population 4,622
- Heidelberg, PA — population 1,239
- Pennsbury Village, PA — population 650
- Carnegie, PA — population 7,847