Personal loans in Armagh, PA
Two households in Armagh with comparable incomes can still be offered different rates; the city's 100 residents are not the reason. The Census counts 100 people in Armagh, the 989th-largest figure among Pennsylvania's 1,013 places.
The nearest larger city is Seward, PA about 3 miles away. Armagh lost roughly 1.0% of its population across the 2020-to-2023 comparison. Rate ceilings, licensing requirements and product limits for Armagh are all set at the Pennsylvania level. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Armagh loan.
Where Armagh stands
Two layers matter for a Armagh borrower: the local population picture and Pennsylvania's consumer-lending statutes.
- Population: a Census-estimated 100, 989th among Pennsylvania's 1,013 places (Vintage 2023).
- Population trend: A loss of roughly 1.0% between 2020 and 2023.
- Absolute change: 1 residents lost between 2020 and 2023.
- Size percentile: about 2% of Pennsylvania's Census places are smaller than Armagh.
- Population density: about 1,754 people per square mile (Census land area 0.1 sq mi).
- By land area: Armagh ranks 1,008th among Pennsylvania's 1,013 places, at 0.1 sq mi.
- State population share: Armagh accounts for about 0.0% of everyone in Pennsylvania.
- National rank: Armagh sits 18,115th by population among the 19,457 places in this dataset.
- Growth rank: Armagh ranks 451st among Pennsylvania's 1,013 places for the 2020-to-2023 change.
- Versus Pennsylvania: the state average change is -0.9%, while Armagh moved 1.0%.
- Density in Pennsylvania: Armagh ranks 560th by people per square mile.
- Against the state median: Armagh runs about 1,754 residents per square mile, where the Pennsylvania median is 1,990.
- Location: the Census Gazetteer records it at 40.4536, -79.0325.
- Nearest larger cities: Seward (3 mi); New Florence (6 mi); Vintondale (7 mi); Bolivar (7 mi); Homer City (9 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities close by: Smicksburg (30 mi); New Washington (31 mi); Newburg (32 mi), each with its own Census population profile.
- Smaller neighbours: 10 places smaller than Armagh sit within 50 miles.
- At 100 miles: 638 larger Census places fall inside that radius.
Where Armagh sits in Pennsylvania
Within Pennsylvania, Armagh holds roughly 0.0% of all residents, the 989th-largest share among 1,013 places. For population change between 2020 and 2023, Armagh ranks 451st of 1,013 in Pennsylvania (about the 55th percentile). By density, at about 1,754 people per square mile, it ranks 560th in Pennsylvania. Within 50 miles sit 10 smaller Census places, alongside the 239 that are larger.
How Pennsylvania law applies in Armagh
The rows below set out what a licensed lender must follow in Pennsylvania, and so for Armagh's roughly 100 residents.
| 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 |
A pre-application checklist for Armagh
For Armagh's roughly 100 residents, these are the steps that most influence the offer:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Model the payment on the calculator before a lender models it for you.
- Shop at least three lenders and judge them on APR and total cost.
- Look the lender up in the Pennsylvania regulator's licence records before you sign.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Check that the monthly payment fits your budget next to your existing obligations.
- Weigh a shorter term's higher payment against the interest it saves.
None of these steps is Armagh-specific: the same Pennsylvania licensing and disclosure rules reach all 100 residents.
What is available to Armagh borrowers
With about 1,754 residents per square mile, Armagh is moderately settled, and 239 larger Census places sit within 50 miles. A Pennsylvania licence lets a lender serve Armagh without a local office, so branch density does not change what its 100 residents are offered. The nearest bigger place is Seward, PA about 3 miles away.
Armagh on the map
The Census Gazetteer records about 0.1 square miles of land within Armagh, with no significant water area listed. The resulting density is about 1,754 people per square mile. The largest place in Pennsylvania, Philadelphia, lies about 208 miles away. Armagh has 239 larger places within a 50-mile radius. Within the same 50 miles lie 10 smaller Census places.
Common questions
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Nearby places
- Seward, PA — population 402
- New Florence, PA — population 657
- Vintondale, PA — population 404
- Bolivar, PA — population 426
- Brownstown, PA — population 678
- Homer City, PA — population 1,716
- Westmont, PA — population 4,825
- Johnstown, PA — population 17,950