Personal loans in Shickshinny, PA

A personal loan in Shickshinny is priced from your credit file and income, not from the fact that the city holds 626 people. The Census counts 626 people in Shickshinny, the 713th-largest figure among Pennsylvania's 1,013 places.

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.

For a bigger market, look to Nescopeck, PA about 8 miles away. From the 2020 Census base to the 2023 estimate, the population declined by about 0.3%. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Shickshinny's 626 residents. Begin with the payment, then weigh APR and total interest across the lenders that reach Shickshinny's 626 residents.

Shickshinny: population, trend and location

What follows is Shickshinny's place in the Census record, alongside the Pennsylvania rules that govern a personal loan made here.

Inside a Shickshinny personal loan

In Shickshinny, a small community of about 626, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Shickshinny can be quoted different APRs on the same amount and term. The term you choose in Shickshinny decides the split between a comfortable payment and the total interest you pay.

Shickshinny against the rest of Pennsylvania

Against Pennsylvania's other places, Shickshinny accounts for about 0.0% of the state's population and ranks 713th of 1,013 by size. Its 2020-to-2023 change ranks 316th of 1,013 Pennsylvania places, putting it near the 69th percentile for growth. By density, at about 1,315 people per square mile, it ranks 637th in Pennsylvania. Between 2020 and 2023 the count changed by roughly 2 residents.

Land, water and location for Shickshinny

The Census Gazetteer records 0.5 square miles of land and 0.01 square miles of water within Shickshinny. That land carries about 1,315 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 95 miles away. A 50-mile radius around Shickshinny takes in 137 places that are larger. The 100-mile radius contains 518 larger places.

Pennsylvania rules behind a Shickshinny personal loan

For the roughly 626 residents of Shickshinny, 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
Bank rate-cap exemption (state-specific rule)Pennsylvania state-chartered banks are not subject to state interest-rate caps (Banking Code Sections 303/506 supersede the LIPL 6% cap).
Source says: "Pennsylvania law does not impose any restrictions on the interest rate that Pennsylvania state-chartered banks may charge to customers." (DoBS interpretive letter, May 11, 2023).
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

Lender access in Shickshinny

At roughly 1,315 people per square mile, Shickshinny is moderately settled; 137 larger places lie within 50 miles. What is available to Shickshinny's 626 borrowers is set by Pennsylvania licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Nescopeck, PA about 8 miles away.

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