Personal loans in Smithfield, PA

Decide the purpose of the loan and your repayment plan before sharing any details with a Smithfield lender. When Pennsylvania caps or restricts a product, lenders either change the terms or withdraw it from Smithfield as from the rest of the state. Population in Smithfield dropped about 3.8% over the three years from 2020 to 2023. The closest larger place is Fairchance, PA about 3 miles away.

Local context for Smithfield

Smithfield is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: about 805, ranked 649th of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
• Population trend: Roughly 3.8% fewer residents than the 2020 Census counted.
• Absolute change: 32 residents lost between 2020 and 2023.
• Size percentile: roughly 36% of Pennsylvania's places have fewer residents than Smithfield's 805.
• Population density: about 1,124 people per square mile across 0.7 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Smithfield covers 0.7 square miles, the 593rd-largest area among Pennsylvania's 1,013 places.
• State share: roughly 0.0% of Pennsylvania's residents live in Smithfield (805 people).
• National rank: Smithfield sits 11,159th by population among the 19,457 places in this dataset.
• Growth in Pennsylvania: Smithfield stands 991st by percentage change from 2020 to 2023, among 1,013 places.
• Against the state trend: Smithfield's 3.8% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
• Density rank: Smithfield places 693rd among Pennsylvania's places by people per square mile.
• Density vs Pennsylvania: Smithfield's 1,124 people per square mile compare with a state median of 1,990.
• Location: 39.8022 / -79.8087, per the US Census Bureau Gazetteer.
• Nearest larger cities: Fairchance (3 mi); Masontown (6 mi); Point Marion (7 mi); Uniontown (8 mi); Morgantown (14 mi). Living near a larger metro rarely changes what is available in Smithfield.
• Smaller towns nearby: Greensboro (6 mi); Carmichaels (11 mi); Bruceton Mills (13 mi).
• Smaller neighbours: 91 places smaller than Smithfield sit within 50 miles.
• At 100 miles: 342 larger Census places fall inside that radius.

What Pennsylvania law requires in Smithfield

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

Getting a loan in Smithfield

With about 1,124 residents per square mile, Smithfield is moderately settled, and 141 larger Census places sit within 50 miles. Distance to a branch rarely matters for Smithfield's 805 residents: the application is online and the price follows your credit file. The nearest bigger place is Fairchance, PA about 3 miles away.

Smithfield: area, density and distance

The Census Gazetteer records about 0.7 square miles of land within Smithfield, with no significant water area listed. Spread across it are roughly 1,124 residents per square mile. For the state's biggest city, Philadelphia, the distance is roughly 248 miles. Within 50 miles of Smithfield there are 141 larger Census places. Within the same 50 miles lie 91 smaller Census places.

Steps to take before a Smithfield loan

These steps shape the offer you get in Smithfield, a place of about 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. Price the payment first with our personal loan calculator before any lender quotes you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Check the Pennsylvania regulator's records to confirm the lender is licensed here.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

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

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

Smithfield is the 649th-largest of 1,013 Census places in Pennsylvania and contains about 0.0% of the state's people. For population change between 2020 and 2023, Smithfield ranks 991st of 1,013 in Pennsylvania (about the 2th percentile). At about 1,124 people per square mile, Smithfield is the 693rd most densely settled place in Pennsylvania. Between 2020 and 2023 the count changed by roughly 32 residents.