Personal loans in Mifflintown, PA
Mifflintown is a small community in Pennsylvania, with an estimated 818 residents, and every licensed lender here follows the same state rulebook.
Begin with the payment, then weigh APR and total interest across the lenders that reach Mifflintown's 818 residents. An estimated 818 people make their home in Mifflintown, a figure that ranks 645th in Pennsylvania. A lender that serves Mifflintown operates under Pennsylvania lending statutes and a Pennsylvania supervisor. Population in Mifflintown dropped about 2.5% over the three years from 2020 to 2023. Borrowers who want a bigger city can look to Lewistown, PA about 9 miles away.
What the Census records for Mifflintown
Mifflintown is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 818 people, a figure that places Mifflintown 645th among the 1,013 Census places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: A decline of about 2.5% across the 2020-to-2023 comparison.
- Change in people: the 2020-to-2023 comparison is a loss of about 21 residents.
- Size percentile: with 818 residents, Mifflintown is larger than about 36% of Pennsylvania's Census places.
- Density: roughly 5,843 residents per square mile, spread over 0.1 sq mi of land.
- Land area rank: Mifflintown's 0.1 square miles rank 971st of 1,013 places in Pennsylvania.
- Share of state population: Mifflintown's 818 residents are about 0.0% of Pennsylvania.
- National rank: Mifflintown is 11,089th of 19,457 places nationwide.
- Growth rank: Mifflintown ranks 783rd among Pennsylvania's 1,013 places for the 2020-to-2023 change.
- Versus Pennsylvania: the state average change is -0.9%, while Mifflintown moved 2.5%.
- Density rank: Mifflintown is the 77th most densely settled place in Pennsylvania.
- Density in context: Mifflintown's 5,843 people per square mile sit against a Pennsylvania median of 1,990.
- Location: latitude 40.5712, longitude -77.3951 (Census Gazetteer).
- Nearest larger cities: Lewistown (9 mi); Burnham (10 mi); McClure (10 mi); Bloomfield (15 mi); Newport (15 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities within reach: Mifflin (1 mi); Port Royal (3 mi); Thompsontown (8 mi).
- Smaller neighbours: 55 places smaller than Mifflintown sit within 50 miles.
- Within 100 miles: 341 places are larger than Mifflintown.
What a Mifflintown borrower is actually offered
Most loans made to Mifflintown's 818 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Mifflintown's rank of 645th 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 Mifflintown loan but raises total interest, so the smallest payment is not the cheapest loan.
Land, water and location for Mifflintown
Mifflintown's land area is roughly 0.1 square miles, and the Gazetteer records no significant water area within it. That land carries about 5,843 people per square mile. Philadelphia, the largest place in Pennsylvania, is about 125 miles from Mifflintown. Counting outward 50 miles, 74 larger communities surround Mifflintown. The 100-mile radius contains 341 larger places.
Mifflintown against the rest of Pennsylvania
Mifflintown is the 645th-largest of 1,013 Census places in Pennsylvania and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Mifflintown stands 783rd among Pennsylvania's 1,013 places — roughly the 23th percentile. Its roughly 5,843 residents per square mile place it 77th among Pennsylvania's places. Within 50 miles sit 55 smaller Census places, alongside the 74 that are larger.
A pre-application checklist for Mifflintown
Before you hand your details to a lender in Mifflintown, where the population is near 818:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Model the payment on the calculator before a lender models it for you.
- Get several pre-qualifications and compare APR side by side before choosing.
- Verify the lender's Pennsylvania licence with the regulator listed on this page.
- Write down the purpose of the loan and your repayment plan before you apply.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Check the disclosure for fees that raise the true cost above the quoted rate.
What differs between Mifflintown and the rest of Pennsylvania is not the process but the borrower's own file, among the 818 people here.
Pennsylvania rules behind a Mifflintown personal loan
The rows below set out what a licensed lender must follow in Pennsylvania, and so for Mifflintown's roughly 818 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 Mifflintown if my credit is poor?
What loan size can I expect in Mifflintown?
Do I have to pledge anything to borrow in Mifflintown?
Does comparing loans in Mifflintown cost me credit score points?
Nearby places
- Mifflin, PA — population 518
- Port Royal, PA — population 793
- Thompsontown, PA — population 623
- McClure, PA — population 885
- Lewistown, PA — population 8,418
- Burnham, PA — population 1,965
- Juniata Terrace, PA — population 553
- Millerstown, PA — population 694