Personal loans in Wall, PA

The Census estimates 497 residents in Wall, which ranks it 763rd of 1,013 places in Pennsylvania. A 2020-to-2023 comparison shows Wall down by about 3.7%.

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.

In Wall, one of 1,013 Census places in Pennsylvania, the figure to compare across lenders is the APR, not the advertised rate. State law, not city hall, decides what a lender may do to Wall's roughly 497 residents, and a state regulator supervises it. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Wall loan. Borrowers who want a bigger city can look to Pitcairn, PA about 1 miles away.

What the Census records for Wall

Read the local figures below as context; read the sourced Pennsylvania table as the rulebook a lender here must follow.

The state rulebook for Wall

These are Pennsylvania's sourced lending facts as they reach Wall's 497 residents; the state has no city-level rate rule.

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

How a Wall personal loan is priced

With roughly 497 residents, Wall is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Wall can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Wall loan but raises total interest, so the smallest payment is not the cheapest loan.

What is available to Wall borrowers

Wall is moderately settled, with about 1,137 people per square mile and 232 larger places within 50 miles. Whether Wall has a local branch or not, a Pennsylvania-licensed lender can serve its 497 people online on the same terms. The nearest bigger place is Pitcairn, PA about 1 miles away.

Wall against the rest of Pennsylvania

Within Pennsylvania, Wall holds roughly 0.0% of all residents, the 763rd-largest share among 1,013 places. For population change between 2020 and 2023, Wall ranks 943rd of 1,013 in Pennsylvania (about the 7th percentile). By density, at about 1,137 people per square mile, it ranks 688th in Pennsylvania. Within 50 miles sit 88 smaller Census places, alongside the 232 that are larger.

Wall: area, density and distance

The Census Gazetteer records about 0.4 square miles of land within Wall, with no significant water area listed. The resulting density is about 1,137 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 247 miles. Counting outward 50 miles, 232 larger communities surround Wall. The 100-mile radius contains 475 larger places.

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

Nearby places

Related