Personal loans in Washington, PA
The roughly 13,429 people who live in Washington borrow under Pennsylvania rules; city hall sets no personal-loan rate.
Which products a lender may offer to Washington's 13,429 residents follows from the Pennsylvania consumer-lending framework. With an estimated 13,429 residents, Washington is the 44th-largest of 1,013 places in Pennsylvania. Rate-shopping from Washington costs nothing at pre-qualification, where a soft pull leaves your credit file alone. From the 2020 Census base to the 2023 estimate, the population rose by about 2.0%. The closest larger place is Bethel Park, PA about 15 miles away.
The Washington data picture
Only a few things actually differ by place — population, area, location, and the Pennsylvania rules a lender must follow — and they are below.
- Population: an estimated 13,429 residents, 44th of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
- Population trend: The 2020-to-2023 change is positive, near 2.0%.
- Net change: roughly 261 more people than the 2020 Census counted.
- Size percentile: Washington's 13,429 people outrank roughly 96% of the places in Pennsylvania.
- Density: the Census land area of 2.9 sq mi holds about 4,585 people per square mile.
- Land area rank: Washington's 2.9 square miles rank 129th of 1,013 places in Pennsylvania.
- State population share: Washington accounts for about 0.2% of everyone in Pennsylvania.
- Nationally: Washington is the 2,554th-largest of 19,457 Census places in the dataset.
- Growth rank: Washington ranks 60th among Pennsylvania's 1,013 places for the 2020-to-2023 change.
- Versus Pennsylvania: the state average change is -0.9%, while Washington moved 2.0%.
- Density rank: Washington places 147th among Pennsylvania's places by people per square mile.
- Density vs Pennsylvania: Washington's 4,585 people per square mile compare with a state median of 1,990.
- Location: coordinates 40.1742, -80.2468 (US Census Bureau Gazetteer).
- Nearest larger cities: Bethel Park (15 mi); Whitehall (19 mi); Baldwin (21 mi); West Mifflin (22 mi); Weirton (23 mi). Larger metros often have more branches, but online lenders reach Washington on the same terms.
- Smaller communities within reach: East Washington (1 mi); Green Hills (5 mi); Houston (6 mi).
- Within a 50-mile radius: 299 smaller Census places.
- Larger places within 100 miles: 47.
The Pennsylvania lending rules that reach Washington
For the roughly 13,429 residents of Washington, the rules below are Pennsylvania's own; each row carries its publisher and retrieval 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 |
| Payday lending status | No separate payday-lending license; non-bank lenders are limited to 6% (unlicensed) or up to 24% (CDCA-licensed), so high-cost payday loans are not permitted. Source says: "if a lender is licensed by the Department in accord with the CDCA, it can charge between 6-24% on loans under $25,000" (DoBS interpretive letter, May 11, 2023). | Pennsylvania Department of Banking and Securities as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer Discount Company Act license required for non-mortgage consumer loans above 6%; licensed lenders may charge up to 24% on loans of $25,000 or less. Source says: "A consumer discount company is a business corporation that negotiates or makes non-mortgage loans or advances of money on credit." | Pennsylvania Department of Banking and Securities as of 2026-09-16 |
Where Washington sits in Pennsylvania
Within Pennsylvania, Washington holds roughly 0.2% of all residents, the 44th-largest share among 1,013 places. Its 2020-to-2023 change ranks 60th of 1,013 Pennsylvania places, putting it near the 94th percentile for growth. Its roughly 4,585 residents per square mile place it 147th among Pennsylvania's places. Between 2020 and 2023 the count changed by roughly 261 residents.
How lenders reach Washington
Washington is fairly dense, with about 4,585 people per square mile and 17 larger places within 50 miles. Distance to a branch rarely matters for Washington's 13,429 residents: the application is online and the price follows your credit file. The nearest larger city, Bethel Park, PA about 15 miles away.
Where Washington sits
The Census Gazetteer records about 2.9 square miles of land within Washington, with no significant water area listed. Spread across it are roughly 4,585 residents per square mile. For the state's biggest city, Philadelphia, the distance is roughly 270 miles. Washington has 17 larger places within a 50-mile radius. By land area it ranks 129th of 1,013 Pennsylvania places.
Steps to take before a Washington loan
A sensible order of operations for a loan in Washington, home to about 13,429 people:
- Pull your credit reports first and correct any error before a lender sees the file.
- Use the loan calculator to test the payment on your intended amount and term.
- Get several pre-qualifications and compare APR side by side before choosing.
- Verify the lender's Pennsylvania licence with the regulator listed on this page.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Test the payment against your current bills before you commit.
In Washington as elsewhere in Pennsylvania, the written terms — not the advertisement — are what count for its 13,429 residents.
Common questions
What are my options in Washington if my credit is poor?
What loan size can I expect in Washington?
Do I have to pledge anything to borrow in Washington?
Does comparing loans in Washington cost me credit score points?
Nearby places
- East Washington, PA — population 1,826
- Green Hills, PA — population 20
- Houston, PA — population 1,152
- Canonsburg, PA — population 9,629
- Claysville, PA — population 719
- West Middletown, PA — population 109
- Cokeburg, PA — population 617
- McDonald, PA — population 2,017