Personal loans in Wilmore, PA
For a borrower among the roughly 204 residents of Wilmore, a personal loan is a tool whose cost turns on the terms, not the address. Price two or three terms so you can see which payment is truly affordable in Wilmore.
An estimated 204 people make their home in Wilmore, a figure that ranks 923rd in Pennsylvania. Rate ceilings, licensing requirements and product limits for Wilmore are all set at the Pennsylvania level. Wilmore lost roughly 2.4% of its population across the 2020-to-2023 comparison. The closest larger place is Portage, PA about 2 miles away.
Where Wilmore stands
Wilmore is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: about 204, ranked 923rd of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
- Population trend: A decline of about 2.4% across the 2020-to-2023 comparison.
- Net change: roughly 5 fewer people than the 2020 Census counted.
- Size percentile: Wilmore sits ahead of around 9% of Pennsylvania places, at 204 people.
- Population density: about 541 people per square mile across 0.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Wilmore's 0.4 square miles rank 823rd of 1,013 places in Pennsylvania.
- Within Pennsylvania: about 0.0% of the state's population lives in Wilmore.
- National rank: Wilmore sits 16,429th by population among the 19,457 places in this dataset.
- Growth rank: Wilmore's 2020-to-2023 change ranks 750th of 1,013 places in Pennsylvania.
- Against the state trend: Wilmore's 2.4% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density in Pennsylvania: Wilmore ranks 847th by people per square mile.
- Density in context: Wilmore's 541 people per square mile sit against a Pennsylvania median of 1,990.
- Location: mapped by the US Census Bureau at 40.3873, -78.7172.
- Nearest larger cities: Portage (2 mi); Summerhill (2 mi); South Fork (4 mi); Lilly (6 mi); Ebensburg (7 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities within reach: Ehrenfeld (3 mi); Cassandra (4 mi); Chest Springs (14 mi).
- Smaller neighbours: 38 places smaller than Wilmore sit within 50 miles.
- Within 100 miles: 562 places are larger than Wilmore.
Land, water and location for Wilmore
Inside Wilmore's boundaries lie about 0.4 square miles of land, with no significant water area recorded. That land carries about 541 people per square mile. Philadelphia, the largest place in Pennsylvania, is about 191 miles from Wilmore. A 50-mile radius around Wilmore takes in 135 places that are larger. By land area it ranks 823rd of 1,013 Pennsylvania places.
Wilmore in state context
Within Pennsylvania, Wilmore holds roughly 0.0% of all residents, the 923rd-largest share among 1,013 places. On the 2020-to-2023 trend, Wilmore stands 750th among Pennsylvania's 1,013 places — roughly the 26th percentile. By density, at about 541 people per square mile, it ranks 847th in Pennsylvania. Within 50 miles sit 38 smaller Census places, alongside the 135 that are larger.
Pennsylvania consumer-lending rules applied in Wilmore
Every row below records a Pennsylvania rule, its publisher and its retrieval date — the same rules a Wilmore lender must follow.
| 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 |
| 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 |
| 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 |
The anatomy of a Wilmore personal loan
Most loans made to Wilmore's 204 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Wilmore lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Wilmore loan is knowable in advance — unlike a revolving card balance.
What is available to Wilmore borrowers
With about 541 residents per square mile, Wilmore is moderately settled, and 135 larger Census places sit within 50 miles. Distance to a branch rarely matters for Wilmore's 204 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Portage, PA about 2 miles away.
Common questions
What are my options in Wilmore if my credit is poor?
What loan size can I expect in Wilmore?
Do I have to pledge anything to borrow in Wilmore?
Does comparing loans in Wilmore cost me credit score points?
Nearby places
- Portage, PA — population 2,388
- Summerhill, PA — population 466
- Ehrenfeld, PA — population 198
- South Fork, PA — population 922
- Cassandra, PA — population 154
- Ebensburg, PA — population 3,337
- Lilly, PA — population 857
- Nanty-Glo, PA — population 2,438