Personal loans in Adamsburg, PA
Census figures put the 2020-to-2023 decrease in Adamsburg at about 2.1%. With roughly 142 residents, Adamsburg is a small community, and the lending rules its borrowers live under are written in Pennsylvania, not by the city.
The Census counts 142 people in Adamsburg, the 964th-largest figure among Pennsylvania's 1,013 places. The closest larger city is Penn, PA about 1 miles away. Which products a lender may offer to Adamsburg's 142 residents follows from the Pennsylvania consumer-lending framework. Compare APR, not the interest rate, because the APR folds in most fees on a Adamsburg loan.
Where Adamsburg stands
The figures below are Adamsburg's own — Census population, land area and coordinates — followed by the Pennsylvania rules.
- Population: about 142, ranked 964th of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
- Population trend: Lower by roughly 2.1% since the 2020 count.
- People gained or lost: about 3 fewer since the 2020 base.
- Size percentile: with 142 residents, Adamsburg is larger than about 5% of Pennsylvania's Census places.
- Density: roughly 507 residents per square mile, spread over 0.3 sq mi of land.
- Land area rank: Adamsburg's 0.3 square miles rank 889th of 1,013 places in Pennsylvania.
- Within Pennsylvania: about 0.0% of the state's population lives in Adamsburg.
- National rank: Adamsburg sits 17,386th by population among the 19,457 places in this dataset.
- Growth rank: Adamsburg ranks 670th among Pennsylvania's 1,013 places for the 2020-to-2023 change.
- State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Adamsburg's 2.1%.
- Density rank: Adamsburg places 857th among Pennsylvania's places by people per square mile.
- Density in context: Adamsburg's 507 people per square mile sit against a Pennsylvania median of 1,990.
- Location: it lies at 40.3124, -79.6543 in the Census Gazetteer.
- Nearest larger cities: Penn (1 mi); Jeannette (2 mi); Manor (2 mi); Irwin (3 mi); Arona (3 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Donegal (20 mi); Coal Center (21 mi); Seven Springs (27 mi).
- Smaller neighbours: 18 places smaller than Adamsburg sit within 50 miles.
- At 100 miles: 646 larger Census places fall inside that radius.
How Pennsylvania law applies in Adamsburg
Pennsylvania has no separate rate rule for Adamsburg; the sourced rows below are what reach every lender that serves its 142 people.
| 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 |
What to do before borrowing in Adamsburg
Complete these steps first when you borrow in Adamsburg (142 residents):
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Check the Pennsylvania regulator's records to confirm the lender is licensed here.
- Test the payment against your current bills before you commit.
- Weigh a shorter term's higher payment against the interest it saves.
- Keep the amount to the expense; an approval is not a reason to take more.
None of these steps is Adamsburg-specific: the same Pennsylvania licensing and disclosure rules reach all 142 residents.
Borrowing reach in Adamsburg
Adamsburg is a moderately settled community of about 142 people, with 290 larger places inside a 50-mile radius. A Pennsylvania licence lets a lender serve Adamsburg without a local office, so branch density does not change what its 142 residents are offered. The nearest larger city, Penn, PA about 1 miles away.
Adamsburg on the map
Adamsburg's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. With 142 residents, the land area yields roughly 507 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 240 miles. Adamsburg has 290 larger places within a 50-mile radius. The 100-mile radius contains 646 larger places.
Adamsburg's place among Pennsylvania's 1,013 places
Among Pennsylvania's 1,013 places, Adamsburg sits at 964th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Adamsburg stands 670th among Pennsylvania's 1,013 places — roughly the 34th percentile. Its roughly 507 residents per square mile place it 857th among Pennsylvania's places. Within 50 miles sit 18 smaller Census places, alongside the 290 that are larger.
Common questions
What are my options in Adamsburg if my credit is poor?
What loan size can I expect in Adamsburg?
Do I have to pledge anything to borrow in Adamsburg?
Does comparing loans in Adamsburg cost me credit score points?
Nearby places
- Penn, PA — population 620
- Manor, PA — population 3,520
- Jeannette, PA — population 8,591
- Arona, PA — population 248
- Irwin, PA — population 3,813
- North Irwin, PA — population 814
- Madison, PA — population 357
- Youngwood, PA — population 2,910