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.

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.

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.

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:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Model the payment on the calculator before a lender models it for you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Verify the lender's Pennsylvania licence with the regulator listed on this page.
  5. Write down the purpose of the loan and your repayment plan before you apply.
  6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  7. 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.

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

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 Mifflintown 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 Mifflintown is the same as anywhere in Pennsylvania.
What loan size can I expect in Mifflintown?
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 Mifflintown?
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 Mifflintown 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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