Personal loans in Midland, PA
Population in Midland dropped about 2.4% over the three years from 2020 to 2023. Two households in Midland with comparable incomes can still be offered different rates; the city's 2,374 residents are not the reason. By population, Midland sits at 388th in Pennsylvania, with an estimated 2,374 residents. Borrowers who want a bigger city can look to Ohioville, PA about 4 miles away. Rate ceilings, licensing requirements and product limits for Midland are all set at the Pennsylvania level. Use the calculator on this page to price an amount and term before you commit in Midland.
The Midland data picture
Here is the sourced Census picture for Midland, plus the Pennsylvania lending rules that apply to a loan taken out here.
- Population: about 2,374, ranked 388th of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
- Population trend: Down about 2.4% from the 2020 Census base to the 2023 estimate.
- Net change: roughly 59 fewer people than the 2020 Census counted.
- Size percentile: Midland's 2,374 people outrank roughly 62% of the places in Pennsylvania.
- Population density: 1,312 people per square mile on 1.8 square miles of land.
- Land area: Midland covers 1.8 square miles, the 246th-largest area among Pennsylvania's 1,013 places.
- Water: Midland holds about 0.18 square miles, the 71st-largest water area in Pennsylvania.
- Share of Pennsylvania: Midland holds about 0.0% of the state's population, some 2,374 people.
- Nationally: Midland is the 7,018th-largest of 19,457 Census places in the dataset.
- Growth rank: Midland ranks 760th among Pennsylvania's 1,013 places for the 2020-to-2023 change.
- State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Midland's 2.4%.
- Density rank: Midland places 638th among Pennsylvania's places by people per square mile.
- Density in context: Midland's 1,312 people per square mile sit against a Pennsylvania median of 1,990.
- Location: coordinates 40.6344, -80.4580 (US Census Bureau Gazetteer).
- Nearest larger cities: Ohioville (4 mi); East Liverpool (6 mi); Beaver (9 mi); Monaca (10 mi); Rochester (10 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Georgetown (2 mi); Shippingport (2 mi); Hookstown (3 mi).
- Smaller neighbours: 200 places smaller than Midland sit within 50 miles.
- Within 100 miles: 297 places are larger than Midland.
How personal loans work in Midland
Midland is a small community of about 2,374 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Midland. The term you choose in Midland decides the split between a comfortable payment and the total interest you pay.
Land, water and location for Midland
The Census Gazetteer records 1.8 square miles of land and 0.18 square miles of water within Midland. Spread across it are roughly 1,312 residents per square mile. The state's population centre of gravity, Philadelphia, is roughly 284 miles away. Within 50 miles of Midland there are 132 larger Census places. Within the same 50 miles lie 200 smaller Census places.
Getting a loan in Midland
Midland is moderately settled, with about 1,312 people per square mile and 132 larger places within 50 miles. Distance to a branch rarely matters for Midland's 2,374 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Ohioville, PA about 4 miles away.
Midland's place among Pennsylvania's 1,013 places
Against Pennsylvania's other places, Midland accounts for about 0.0% of the state's population and ranks 388th of 1,013 by size. Its 2020-to-2023 change ranks 760th of 1,013 Pennsylvania places, putting it near the 25th percentile for growth. Its roughly 1,312 residents per square mile place it 638th among Pennsylvania's places. By land area, its 1.8 square miles rank 246th of 1,013 places in Pennsylvania.
Which Pennsylvania laws govern a loan in Midland
This table holds the Pennsylvania rate and licensing rules for consumer loans made to Midland's 2,374 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 |
Common questions
What are my options in Midland if my credit is poor?
What loan size can I expect in Midland?
Do I have to pledge anything to borrow in Midland?
Does comparing loans in Midland cost me credit score points?
Nearby places
- Hookstown, PA — population 129
- Georgetown, PA — population 203
- Shippingport, PA — population 154
- Glasgow, PA — population 68
- Industry, PA — population 1,790
- Ohioville, PA — population 3,300
- Chester, WV — population 2,113
- East Liverpool, OH — population 9,705