Personal loans in Milton, PA
Milton counts about 6,497 people, and what is genuinely local about borrowing here is limited — Pennsylvania law does the governing.
State law, not city hall, decides what a lender may do to Milton's roughly 6,497 residents, and a state regulator supervises it. Milton ranks 133rd of 1,013 places in Pennsylvania, with a population near 6,497. Judge Milton offers on total cost, not on how quickly the money arrives. From the 2020 Census base to the 2023 estimate, the population declined by about 1.9%. The nearest larger metro is Sunbury, PA about 10 miles away.
Milton: the sourced local profile
Two layers matter for a Milton borrower: the local population picture and Pennsylvania's consumer-lending statutes.
- Population: about 6,497, ranked 133rd of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
- Population trend: A loss of roughly 1.9% between 2020 and 2023.
- People gained or lost: about 126 fewer since the 2020 base.
- Size percentile: Milton sits ahead of around 87% of Pennsylvania places, at 6,497 people.
- Population density: 1,873 people per square mile on 3.5 square miles of land.
- Land area rank: Milton's 3.5 square miles rank 103rd of 1,013 places in Pennsylvania.
- Water area rank: Milton ranks 36th among Pennsylvania's 1,013 places, with 0.30 sq mi.
- Share of state population: Milton's 6,497 residents are about 0.1% of Pennsylvania.
- Nationally: Milton is the 4,172nd-largest of 19,457 Census places in the dataset.
- Growth rank: Milton ranks 621st among Pennsylvania's 1,013 places for the 2020-to-2023 change.
- Against the state trend: Milton's 1.9% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density rank: Milton places 536th among Pennsylvania's places by people per square mile.
- Density vs Pennsylvania: Milton's 1,873 people per square mile compare with a state median of 1,990.
- Location: latitude 41.0023, longitude -76.8510 (Census Gazetteer).
- Nearest larger cities: Sunbury (10 mi); Williamsport (19 mi); Bloomsburg (21 mi); Shamokin (21 mi); Berwick (31 mi). A branch is convenient; it is not what sets your APR.
- Smaller places close by: Lewisburg (3 mi); McEwensville (5 mi); Watsontown (6 mi).
- Smaller neighbours: 121 places smaller than Milton sit within 50 miles.
- Larger places within 100 miles: 75.
Milton against the rest of Pennsylvania
Set beside Pennsylvania's 1,013 places, Milton ranks 133rd by population and holds about 0.1% of the state total. For population change between 2020 and 2023, Milton ranks 621st of 1,013 in Pennsylvania (about the 39th percentile). Its roughly 1,873 residents per square mile place it 536th among Pennsylvania's places. The population moved by about 126 people between 2020 and 2023, a 1.9% shift.
Inside a Milton personal loan
In Milton, a small town of about 6,497, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Milton loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Milton decides the split between a comfortable payment and the total interest you pay.
The geography behind Milton
Inside Milton's boundaries lie roughly 3.5 square miles of land and 0.30 square miles of water. Spread across it are roughly 1,873 residents per square mile. The state's population centre of gravity, Philadelphia, is roughly 113 miles away. Counting outward 50 miles, 11 larger communities surround Milton. The 100-mile radius contains 75 larger places.
Getting a loan in Milton
At roughly 1,873 people per square mile, Milton is moderately settled; 11 larger places lie within 50 miles. Distance to a branch rarely matters for Milton's 6,497 residents: the application is online and the price follows your credit file. The nearest larger city, Sunbury, PA about 10 miles away.
What Pennsylvania law requires in Milton
These are Pennsylvania's sourced lending facts as they reach Milton's 6,497 residents; the state has no city-level rate rule.
| 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 |
| Small-loan / installment lender licensing | Consumer Discount Company Act license required for non-mortgage consumer loans above 6%; licensed lenders may charge up to 24% on loans of $25,000 or less. Source says: "A consumer discount company is a business corporation that negotiates or makes non-mortgage loans or advances of money on credit." | 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 |
Common questions
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Nearby places
- Lewisburg, PA — population 5,255
- McEwensville, PA — population 289
- Watsontown, PA — population 2,214
- Northumberland, PA — population 3,839
- Turbotville, PA — population 664
- Shamokin Dam, PA — population 1,639
- Sunbury, PA — population 9,539
- Montgomery, PA — population 1,543