Personal loans in Rainsburg, PA

The roughly 137 people who live in Rainsburg borrow under Pennsylvania rules; city hall sets no personal-loan rate. From the 2020 Census base to the 2023 estimate, the population declined by about 1.4%.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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Roughly 137 residents live in Rainsburg, the 969th-largest community in Pennsylvania. Pull your credit reports and line up at least three offers before you apply from Rainsburg. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Rainsburg's 137 residents. The closest larger place is Bedford, PA about 8 miles away.

Rainsburg by the numbers

Most of what governs a Rainsburg loan is written in Pennsylvania law rather than in the city; the sourced notes below make that split concrete.

Population: an estimated 137 residents, 969th of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
Population trend: A loss of roughly 1.4% between 2020 and 2023.
Absolute change: 2 residents lost between 2020 and 2023.
Size percentile: Rainsburg sits ahead of around 4% of Pennsylvania places, at 137 people.
Density: the Census land area of 0.2 sq mi holds about 840 people per square mile.
Land area rank: Rainsburg's 0.2 square miles rank 957th of 1,013 places in Pennsylvania.
State population share: Rainsburg accounts for about 0.0% of everyone in Pennsylvania.
National standing: Rainsburg ranks 17,486th of 19,457 US places.
Growth rank: Rainsburg's 2020-to-2023 change ranks 535th of 1,013 places in Pennsylvania.
Against the state trend: Rainsburg's 1.4% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
Density rank: Rainsburg is the 765th most densely settled place in Pennsylvania.
Density in context: Rainsburg's 840 people per square mile sit against a Pennsylvania median of 1,990.
Location: it lies at 39.8957, -78.5173 in the Census Gazetteer.
Nearest larger cities: Bedford (8 mi); Manns Choice (8 mi); Everett (12 mi); Hyndman (12 mi); Schellsburg (12 mi). A branch is convenient; it is not what sets your APR.
Smaller communities within reach: New Baltimore (15 mi); St. Clairsville (18 mi); Valley-Hi (20 mi).
Smaller places within 50 miles: 14 of them.
Larger places within 100 miles: 580.

A practical checklist for Rainsburg borrowers

Before you hand your details to a lender in Rainsburg, where the population is near 137:

Get your credit reports, dispute what is wrong, and only then start shopping.
Run the numbers on the personal loan calculator so you know the payment before you apply.
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.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
Read the disclosure for an origination fee and any prepayment penalty before signing.
Test the payment against your current bills before you commit.

In Rainsburg as elsewhere in Pennsylvania, the written terms — not the advertisement — are what count for its 137 residents.

Rainsburg: area, density and distance

The Census Gazetteer records about 0.2 square miles of land within Rainsburg, with no significant water area listed. Spread across it are roughly 840 residents per square mile. For the state's biggest city, Philadelphia, the distance is roughly 179 miles. Rainsburg has 119 larger places within a 50-mile radius. By land area it ranks 957th of 1,013 Pennsylvania places.

Lender access in Rainsburg

At roughly 840 people per square mile, Rainsburg is moderately settled; 119 larger places lie within 50 miles. Lenders licensed in Pennsylvania reach Rainsburg's 137 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Bedford, PA about 8 miles away.

Rainsburg in state context

Rainsburg is the 969th-largest of 1,013 Census places in Pennsylvania and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Rainsburg stands 535th among Pennsylvania's 1,013 places — roughly the 47th percentile. At about 840 people per square mile, Rainsburg is the 765th most densely settled place in Pennsylvania. In land area, Rainsburg ranks 957th among Pennsylvania's 1,013 places.

The Pennsylvania lending rules that reach Rainsburg

Read the table as a lender's compliance picture for Rainsburg: the rule, the sourced figure, the publisher and the date.

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
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
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

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Common questions

What are my options in Rainsburg 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 Rainsburg is the same as anywhere in Pennsylvania.

What loan size can I expect in Rainsburg?

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 Rainsburg?

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 Rainsburg 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.

Nearby places

Bedford, PA — population 2,830
Manns Choice, PA — population 310
Schellsburg, PA — population 327
Everett, PA — population 1,746
Hyndman, PA — population 852
New Paris, PA — population 191
St. Clairsville, PA — population 75
New Baltimore, PA — population 134