Personal loans in Portland, PA
Population in Portland dropped about 1.2% over the three years from 2020 to 2023. Two households in Portland with comparable incomes can still be offered different rates; the city's 481 residents are not the reason.
By population, Portland sits at 770th in Pennsylvania, with an estimated 481 residents. The nearest larger city is Delaware Water Gap, PA about 4 miles away. For the 481 people in Portland, Pennsylvania runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Judge Portland offers on total cost, not on how quickly the money arrives.
Portland: the sourced local profile
What follows is Portland's place in the Census record, alongside the Pennsylvania rules that govern a personal loan made here.
- Population: the Census counts 481 residents in Portland (Vintage 2023 subcounty estimate), the 770th-largest figure among Pennsylvania's 1,013 places.
- Population trend: The 2020-to-2023 change is negative, near 1.2%.
- Net change: roughly 6 fewer people than the 2020 Census counted.
- Size percentile: about 24% of Pennsylvania's Census places are smaller than Portland.
- Density: the Census land area of 0.5 sq mi holds about 996 people per square mile.
- By land area: Portland ranks 747th among Pennsylvania's 1,013 places, at 0.5 sq mi.
- Water area: Portland has 0.07 square miles of water, ranking 169th of 1,013 places in Pennsylvania.
- State population share: Portland accounts for about 0.0% of everyone in Pennsylvania.
- National rank: Portland sits 13,328th by population among the 19,457 places in this dataset.
- Growth rank: Portland ranks 497th among Pennsylvania's 1,013 places for the 2020-to-2023 change.
- Against the state trend: Portland's 1.2% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density in Pennsylvania: Portland ranks 729th by people per square mile.
- Against the state median: Portland runs about 996 residents per square mile, where the Pennsylvania median is 1,990.
- Location: mapped by the US Census Bureau at 40.9221, -75.0983.
- Nearest larger cities: Delaware Water Gap (4 mi); East Bangor (5 mi); Belvidere (7 mi); Stroudsburg (7 mi); Bangor (7 mi). Online lenders reach Portland no matter how far the nearest branch is.
- Smaller places close by: Chapman (19 mi); Glendon (20 mi); Parryville (31 mi).
- Smaller places within 50 miles: 14 of them.
- At 100 miles: 789 larger Census places fall inside that radius.
A pre-application checklist for Portland
Complete these steps first when you borrow in Portland (481 residents):
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Make sure the lender appears in the Pennsylvania regulator's licence list.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Write down the purpose of the loan and your repayment plan before you apply.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
What differs between Portland and the rest of Pennsylvania is not the process but the borrower's own file, among the 481 people here.
The Pennsylvania lending rules that reach Portland
When Pennsylvania does not publish a figure, the row links to the source instead of inventing a number; Portland is bound by the same rules.
| 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 |
| Payday lending status | No separate payday-lending license; non-bank lenders are limited to 6% (unlicensed) or up to 24% (CDCA-licensed), so high-cost payday loans are not permitted. Source says: "if a lender is licensed by the Department in accord with the CDCA, it can charge between 6-24% on loans under $25,000" (DoBS interpretive letter, May 11, 2023). | 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 |
Portland against the rest of Pennsylvania
Among Pennsylvania's 1,013 places, Portland sits at 770th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Portland stands 497th among Pennsylvania's 1,013 places — roughly the 51th percentile. Its roughly 996 residents per square mile place it 729th among Pennsylvania's places. In land area, Portland ranks 747th among Pennsylvania's 1,013 places.
Inside a Portland personal loan
Most loans made to Portland's 481 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Portland. Because the payment is fixed, the total cost of a Portland loan is knowable in advance — unlike a revolving card balance.
Portland: area, density and distance
Portland's land area is about 0.5 square miles; a further 0.07 square miles is water. Spread across it are roughly 996 residents per square mile. For the state's biggest city, Philadelphia, the distance is roughly 63 miles. Portland has 228 larger places within a 50-mile radius. The 100-mile radius contains 789 larger places.
Common questions
What are my options in Portland if my credit is poor?
What loan size can I expect in Portland?
Do I have to pledge anything to borrow in Portland?
Does comparing loans in Portland cost me credit score points?
Nearby places
- Delaware Water Gap, PA — population 666
- Belvidere, NJ — population 2,536
- East Bangor, PA — population 1,107
- East Stroudsburg, PA — population 9,042
- Stroudsburg, PA — population 5,832
- Bangor, PA — population 5,128
- Roseto, PA — population 1,559
- Pen Argyl, PA — population 3,462