Personal loans in Waymart, PA
With roughly 1,290 residents, Waymart is a small community, and the lending rules its borrowers live under are written in Pennsylvania, not by the city.
At about 1,290 residents, Waymart is larger than roughly 47% of the places in Pennsylvania. Census figures put the 2020-to-2023 decrease in Waymart at about 0.7%. Decide the purpose of the loan and your repayment plan before sharing any details with a Waymart lender. Borrowers who want a bigger city can look to Carbondale, PA about 5 miles away. State law, not city hall, decides what a lender may do to Waymart's roughly 1,290 residents, and a state regulator supervises it.
Waymart: population, trend and location
Here is the sourced Census picture for Waymart, plus the Pennsylvania lending rules that apply to a loan taken out here.
- Population: 1,290 people, a figure that places Waymart 538th among the 1,013 Census places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: About 0.7% below the 2020 Census base.
- People gained or lost: about 9 fewer since the 2020 base.
- Size percentile: about 47% of Pennsylvania communities are smaller than Waymart (1,290 residents).
- Population density: about 479 people per square mile across 2.7 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Waymart covers 2.7 square miles, the 145th-largest area among Pennsylvania's 1,013 places.
- Water area: Waymart has 0.07 square miles of water, ranking 180th of 1,013 places in Pennsylvania.
- Share of state population: Waymart's 1,290 residents are about 0.0% of Pennsylvania.
- National rank: Waymart is 9,280th of 19,457 places nationwide.
- Growth rank: Waymart's 2020-to-2023 change ranks 376th of 1,013 places in Pennsylvania.
- Versus Pennsylvania: the state average change is -0.9%, while Waymart moved 0.7%.
- Density rank: Waymart is the 868th most densely settled place in Pennsylvania.
- Density in context: Waymart's 479 people per square mile sit against a Pennsylvania median of 1,990.
- Location: it lies at 41.5864, -75.4037 in the Census Gazetteer.
- Nearest larger cities: Carbondale (5 mi); Forest City (6 mi); Mayfield (7 mi); Honesdale (8 mi); Jermyn (8 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities close by: Prompton (4 mi); Vandling (5 mi); Bethany (6 mi), each with its own Census population profile.
- Smaller places within 50 miles: 50 of them.
- Within 100 miles: 474 places are larger than Waymart.
What Pennsylvania law requires in Waymart
Below are the Pennsylvania rules that apply to a loan made in Waymart, each with the regulator that issued it.
| 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 |
| 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 |
| 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 |
Where Waymart sits in Pennsylvania
Set beside Pennsylvania's 1,013 places, Waymart ranks 538th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Waymart stands 376th among Pennsylvania's 1,013 places — roughly the 63th percentile. At about 479 people per square mile, Waymart is the 868th most densely settled place in Pennsylvania. Within 50 miles sit 50 smaller Census places, alongside the 61 that are larger.
Inside a Waymart personal loan
With roughly 1,290 residents, Waymart 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 Waymart can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Waymart loan is knowable in advance — unlike a revolving card balance.
Waymart on the map
Inside Waymart's boundaries lie roughly 2.7 square miles of land and 0.07 square miles of water. With 1,290 residents, the land area yields roughly 479 people per square mile. Philadelphia, the largest place in Pennsylvania, is about 110 miles from Waymart. Within 50 miles of Waymart there are 61 larger Census places. The 100-mile radius contains 474 larger places.
What is available to Waymart borrowers
Waymart is a lightly settled community of about 1,290 people, with 61 larger places inside a 50-mile radius. Distance to a branch rarely matters for Waymart's 1,290 residents: the application is online and the price follows your credit file. The nearest bigger place is Carbondale, PA about 5 miles away.
Common questions
What are my options in Waymart if my credit is poor?
What loan size can I expect in Waymart?
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Does comparing loans in Waymart cost me credit score points?
Nearby places
- Prompton, PA — population 237
- Vandling, PA — population 721
- Forest City, PA — population 1,751
- Carbondale, PA — population 8,796
- Bethany, PA — population 242
- Mayfield, PA — population 1,763
- Union Dale, PA — population 220
- Honesdale, PA — population 4,438