Personal loans in Sayre, PA

Sayre, Pennsylvania — home to about 5,400 people — is a small town, so the terms you are offered follow Pennsylvania law rather than any local rule. With 5,400 residents, Sayre outranks about 83% of the communities in Pennsylvania.

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.

The trend for Sayre between 2020 and 2023 is downward by roughly 1.2%. Judge Sayre offers on total cost, not on how quickly the money arrives. The closest larger city is Elmira, NY about 17 miles away. When Pennsylvania caps or restricts a product, lenders either change the terms or withdraw it from Sayre as from the rest of the state.

Sayre: population, trend and location

Here is the sourced Census picture for Sayre, plus the Pennsylvania lending rules that apply to a loan taken out here.

Where Sayre sits

Sayre covers about 2.0 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). With 5,400 residents, the land area yields roughly 2,672 people per square mile. The largest place in Pennsylvania, Philadelphia, lies about 155 miles away. Within 50 miles of Sayre there are 9 larger Census places. Within the same 50 miles lie 79 smaller Census places.

Inside a Sayre personal loan

In Sayre, a small town of about 5,400, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Sayre. The term you choose in Sayre decides the split between a comfortable payment and the total interest you pay.

Sayre's place among Pennsylvania's 1,013 places

Sayre is the 173rd-largest of 1,013 Census places in Pennsylvania and contains about 0.1% of the state's people. For population change between 2020 and 2023, Sayre ranks 480th of 1,013 in Pennsylvania (about the 53th percentile). Its roughly 2,672 residents per square mile place it 377th among Pennsylvania's places. In land area, Sayre ranks 212th among Pennsylvania's 1,013 places.

What is available to Sayre borrowers

Sayre is a fairly dense community of about 5,400 people, with 9 larger places inside a 50-mile radius. Whether Sayre has a local branch or not, a Pennsylvania-licensed lender can serve its 5,400 people online on the same terms. For a larger market, the closest option is Elmira, NY about 17 miles away.

Pennsylvania consumer-lending rules applied in Sayre

For the roughly 5,400 residents of Sayre, the rules below are Pennsylvania's own; each row carries its publisher and retrieval date.

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
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 statusNo 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

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