Personal loans in Scranton, PA

Scranton is a mid-sized city in Pennsylvania, with an estimated 75,805 residents, and every licensed lender here follows the same state rulebook. About 75,805 people live in Scranton, placing it 7th of 1,013 Census places in Pennsylvania. Census figures put the 2020-to-2023 decrease in Scranton at about 0.7%. Pull your credit reports and line up at least three offers before you apply from Scranton. The next larger city is Bethlehem, PA about 56 miles away.

Scranton by the numbers

The figures below are Scranton's own — Census population, land area and coordinates — followed by the Pennsylvania rules.

• Population: 75,805 people, a figure that places Scranton 7th among the 1,013 Census places in Pennsylvania (US Census Bureau, Vintage 2023).
• Population trend: Down about 0.7% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 530 fewer since the 2020 base.
• Size percentile: Scranton sits ahead of around 99% of Pennsylvania places, at 75,805 people.
• Population density: 2,995 people per square mile on 25.3 square miles of land.
• Land area: Scranton covers 25.3 square miles, the 8th-largest area among Pennsylvania's 1,013 places.
• Water area rank: Scranton ranks 48th among Pennsylvania's 1,013 places, with 0.23 sq mi.
• Share of Pennsylvania: Scranton holds about 1.4% of the state's population, some 75,805 people.
• National rank: Scranton sits 481st by population among the 19,457 places in this dataset.
• Growth rank: Scranton's 2020-to-2023 change ranks 377th of 1,013 places in Pennsylvania.
• Versus Pennsylvania: the state average change is -0.9%, while Scranton moved 0.7%.
• Density in Pennsylvania: Scranton ranks 321st by people per square mile.
• Against the state median: Scranton runs about 2,995 residents per square mile, where the Pennsylvania median is 1,990.
• Location: 41.4042, -75.6659 (US Census Bureau Gazetteer).
• Nearest larger cities: Bethlehem (56 mi); Allentown (57 mi); Reading (75 mi); Paterson (85 mi); Clifton (87 mi). Online lenders reach Scranton no matter how far the nearest branch is.
• Nearest smaller towns: Taylor (3 mi); Dunmore (3 mi); Moosic (4 mi).
• Within a 50-mile radius: 139 smaller Census places.
• At 100 miles: 10 larger Census places fall inside that radius.

What is available to Scranton borrowers

At roughly 2,995 people per square mile, Scranton is fairly dense; 0 larger places lie within 50 miles. Distance to a branch rarely matters for Scranton's 75,805 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Bethlehem, PA about 56 miles away.

What a Scranton borrower is actually offered

A Scranton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 75,805 residents. A lender serving Scranton's 75,805 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Scranton loan is knowable in advance — unlike a revolving card balance.

Scranton: area, density and distance

Scranton covers about 25.3 square miles of land, with 0.23 square miles of water inside its boundaries (Census Gazetteer). That land carries about 2,995 people per square mile. The largest place in Pennsylvania, Philadelphia, lies about 100 miles away. A 50-mile radius around Scranton takes in 0 places that are larger. By land area it ranks 8th of 1,013 Pennsylvania places.

A practical checklist for Scranton borrowers

A sensible order of operations for a loan in Scranton, home to about 75,805 people:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Test your amount and term in the personal loan calculator first.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Make sure the lender appears in the Pennsylvania regulator's licence list.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Pick the shortest term whose payment you can comfortably afford.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

None of these steps is Scranton-specific: the same Pennsylvania licensing and disclosure rules reach all 75,805 residents.

The state rulebook for Scranton

Every row below records a Pennsylvania rule, its publisher and its retrieval date — the same rules a Scranton lender must follow.