Personal loans in Smicksburg, PA
At about 56 residents, Smicksburg is larger than roughly 1% of the places in Pennsylvania. In Smicksburg, one of 1,013 Census places in Pennsylvania, the figure to compare across lenders is the APR, not the advertised rate.
Verify the lender's Pennsylvania licence against the regulator named below before borrowing in Smicksburg. Every figure below is Pennsylvania's own, applied to Smicksburg's 56 residents, with the publisher and retrieval date attached. Census data show virtually no population shift in Smicksburg between 2020 and 2023. The nearest larger metro is Dayton, PA about 4 miles away.
The Smicksburg data picture
What follows is Smicksburg's place in the Census record, alongside the Pennsylvania rules that govern a personal loan made here.
- Population: a Census-estimated 56, 1,003rd among Pennsylvania's 1,013 places (Vintage 2023).
- Population trend: The 2020-to-2023 change is under a tenth of a percent.
- Size percentile: about 1% of Pennsylvania's Census places are smaller than Smicksburg.
- Density: the Census land area of 0.1 sq mi holds about 384 people per square mile.
- By land area: Smicksburg ranks 965th among Pennsylvania's 1,013 places, at 0.1 sq mi.
- Share of Pennsylvania: Smicksburg holds about 0.0% of the state's population, some 56 people.
- National rank: Smicksburg is the 18,899th most populous of the 19,457 Census places covered here.
- Growth rank: Smicksburg ranks 243rd among Pennsylvania's 1,013 places for the 2020-to-2023 change.
- Against the state trend: Smicksburg's 0.0% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density rank: Smicksburg is the 902nd most densely settled place in Pennsylvania.
- Against the state median: Smicksburg runs about 384 residents per square mile, where the Pennsylvania median is 1,990.
- Location: the Census Gazetteer records it at 40.8701, -79.1713.
- Nearest larger cities: Dayton (4 mi); Plumville (5 mi); Timblin (7 mi); Rural Valley (9 mi); Atwood (9 mi). A branch is convenient; it is not what sets your APR.
- Smaller places nearby: New Washington (25 mi); Seven Springs (59 mi); Driftwood (64 mi).
- Smaller places within 50 miles: 1 of them.
- At 100 miles: 646 larger Census places fall inside that radius.
How lenders reach Smicksburg
Smicksburg is lightly settled, with about 384 people per square mile and 208 larger places within 50 miles. What is available to Smicksburg's 56 borrowers is set by Pennsylvania licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Dayton, PA about 4 miles away.
Smicksburg's place among Pennsylvania's 1,013 places
Among Pennsylvania's 1,013 places, Smicksburg sits at 1,003rd for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Smicksburg stands 243rd among Pennsylvania's 1,013 places — roughly the 76th percentile. Its roughly 384 residents per square mile place it 902nd among Pennsylvania's places. Within 50 miles sit 1 smaller Census places, alongside the 208 that are larger.
Land, water and location for Smicksburg
Smicksburg's land area is roughly 0.1 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 384 residents per square mile. The largest place in Pennsylvania, Philadelphia, lies about 220 miles away. Within 50 miles of Smicksburg there are 208 larger Census places. By land area it ranks 965th of 1,013 Pennsylvania places.
How Pennsylvania law applies in Smicksburg
Read the table as a lender's compliance picture for Smicksburg: 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 |
| 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 |
How a Smicksburg personal loan is priced
With roughly 56 residents, Smicksburg is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Smicksburg. Shortening the term on a Smicksburg loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Common questions
What are my options in Smicksburg if my credit is poor?
What loan size can I expect in Smicksburg?
Do I have to pledge anything to borrow in Smicksburg?
Does comparing loans in Smicksburg cost me credit score points?
Nearby places
- Dayton, PA — population 539
- Plumville, PA — population 249
- Timblin, PA — population 141
- Atwood, PA — population 107
- Worthville, PA — population 71
- Marion Center, PA — population 408
- Rural Valley, PA — population 809
- Hawthorn, PA — population 468