Personal loans in Williamsport, PA

A lender serving Williamsport holds a Pennsylvania licence and answers to a Pennsylvania regulator; no city office is involved for its 27,470 residents. Compare APR, not the interest rate, because the APR folds in most fees on a Williamsport loan. State law, not city hall, decides what a lender may do to Williamsport's roughly 27,470 residents, and a state regulator supervises it. Census figures put the 2020-to-2023 decrease in Williamsport at about 1.0%. The closest larger place is State College, PA about 53 miles away.

Where Williamsport stands

Only a few things actually differ by place — population, area, location, and the Pennsylvania rules a lender must follow — and they are below.

• Population: 27,470 residents; Williamsport is the 20th-largest of 1,013 places in Pennsylvania (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 1.0% between 2020 and 2023.
• Absolute change: 291 residents lost between 2020 and 2023.
• Size percentile: roughly 98% of Pennsylvania's places have fewer residents than Williamsport's 27,470.
• Population density: 3,130 people per square mile on 8.8 square miles of land.
• Land area rank: Williamsport's 8.8 square miles rank 35th of 1,013 places in Pennsylvania.
• Water: Williamsport holds about 0.69 square miles, the 10th-largest water area in Pennsylvania.
• Share of state population: Williamsport's 27,470 residents are about 0.5% of Pennsylvania.
• National standing: Williamsport ranks 1,430th of 19,457 US places.
• Growth in Pennsylvania: Williamsport stands 462nd by percentage change from 2020 to 2023, among 1,013 places.
• Against the state trend: Williamsport's 1.0% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
• Density rank: Williamsport is the 301st most densely settled place in Pennsylvania.
• Density vs Pennsylvania: Williamsport's 3,130 people per square mile compare with a state median of 1,990.
• Location: 41.2400, -77.0356 (Census Gazetteer coordinates).
• Nearest larger cities: State College (53 mi); Hazleton (59 mi); Wilkes-Barre (60 mi); Harrisburg (67 mi); Scranton (72 mi). Lenders licensed in the state serve Williamsport whether or not they keep a local branch.
• Nearest smaller towns: Duboistown (1 mi); South Williamsport (2 mi); Montoursville (6 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 94 smaller Census places.
• Within 100 miles: 13 places are larger than Williamsport.

Williamsport: area, density and distance

The Census Gazetteer records 8.8 square miles of land and 0.69 square miles of water within Williamsport. With 27,470 residents, the land area yields roughly 3,130 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 131 miles away. Williamsport has 0 larger places within a 50-mile radius. By land area it ranks 35th of 1,013 Pennsylvania places.

Williamsport against the rest of Pennsylvania

Within Pennsylvania, Williamsport holds roughly 0.5% of all residents, the 20th-largest share among 1,013 places. On the 2020-to-2023 trend, Williamsport stands 462nd among Pennsylvania's 1,013 places — roughly the 54th percentile. At about 3,130 people per square mile, Williamsport is the 301st most densely settled place in Pennsylvania. By land area, its 8.8 square miles rank 35th of 1,013 places in Pennsylvania.

What a Williamsport borrower is actually offered

Most loans made to Williamsport's 27,470 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Williamsport. Shortening the term on a Williamsport loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Before you apply in Williamsport

For Williamsport's roughly 27,470 residents, these are the steps that most influence the offer:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the lender holds a Pennsylvania licence by checking the regulator named above.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Make sure the new payment leaves room in a budget you already keep.
7. Pick the shortest term whose payment you can comfortably afford.

The process is identical across Pennsylvania; what changes is your credit file, not the fact that Williamsport holds 27,470 people.

The state rulebook for Williamsport

This table holds the Pennsylvania rate and licensing rules for consumer loans made to Williamsport's 27,470 residents.