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.
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.
- Population: the Census counts 5,400 residents in Sayre (Vintage 2023 subcounty estimate), the 173rd-largest figure among Pennsylvania's 1,013 places.
- Population trend: The 2020-to-2023 change is negative, near 1.2%.
- People gained or lost: about 63 fewer since the 2020 base.
- Size percentile: with 5,400 residents, Sayre is larger than about 83% of Pennsylvania's Census places.
- Population density: 2,672 people per square mile on 2.0 square miles of land.
- Land area rank: Sayre's 2.0 square miles rank 212th of 1,013 places in Pennsylvania.
- Water area: Sayre has 0.01 square miles of water, ranking 368th of 1,013 places in Pennsylvania.
- Within Pennsylvania: about 0.1% of the state's population lives in Sayre.
- National rank: Sayre is 4,617th of 19,457 places nationwide.
- Growth rank: Sayre's 2020-to-2023 change ranks 480th of 1,013 places in Pennsylvania.
- Against the state trend: Sayre's 1.2% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density rank: Sayre places 377th among Pennsylvania's places by people per square mile.
- Density vs Pennsylvania: Sayre's 2,672 people per square mile compare with a state median of 1,990.
- Location: it lies at 41.9857, -76.5208 in the Census Gazetteer.
- Nearest larger cities: Elmira (17 mi); Horseheads (20 mi); Endicott (25 mi); Corning (30 mi); Johnson City (30 mi). Online lenders reach Sayre no matter how far the nearest branch is.
- Nearest smaller towns: South Waverly (1 mi); Waverly (2 mi); Athens (3 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 79 smaller Census places.
- Larger places within 100 miles: 60.
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.
| 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 |
Common questions
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Nearby places
- South Waverly, PA — population 1,065
- Waverly, NY — population 4,270
- Athens, PA — population 3,231
- Nichols, NY — population 456
- Wellsburg, NY — population 483
- Burlington, PA — population 143
- Rome, PA — population 381
- Towanda, PA — population 2,774