Personal loans in Clarion, PA
In Clarion, one of 1,013 Census places in Pennsylvania, the figure to compare across lenders is the APR, not the advertised rate. An estimated 4,295 people make their home in Clarion, a figure that ranks 228th in Pennsylvania.
From the 2020 Census base to the 2023 estimate, the population rose by about 9.3%. Read the disclosure for an origination fee and any prepayment penalty before signing in Clarion. Borrowers who want a bigger city can look to Oil City, PA about 23 miles away. A lender that serves Clarion operates under Pennsylvania lending statutes and a Pennsylvania supervisor.
Where Clarion stands
Most of what governs a Clarion loan is written in Pennsylvania law rather than in the city; the sourced notes below make that split concrete.
- Population: an estimated 4,295 residents, 228th of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
- Population trend: The 2020-to-2023 change is positive, near 9.3%.
- Net change: roughly 364 more people than the 2020 Census counted.
- Size percentile: Clarion's 4,295 people outrank roughly 77% of the places in Pennsylvania.
- Density: the Census land area of 1.6 sq mi holds about 2,729 people per square mile.
- Land area rank: Clarion's 1.6 square miles rank 292nd of 1,013 places in Pennsylvania.
- Water area rank: Clarion ranks 239th among Pennsylvania's 1,013 places, with 0.04 sq mi.
- Share of state population: Clarion's 4,295 residents are about 0.1% of Pennsylvania.
- National rank: Clarion is the 5,264th most populous of the 19,457 Census places covered here.
- Growth rank: Clarion's 2020-to-2023 change ranks 16th of 1,013 places in Pennsylvania.
- Versus Pennsylvania: the state average change is -0.9%, while Clarion moved 9.3%.
- Density rank: Clarion places 363rd among Pennsylvania's places by people per square mile.
- Density vs Pennsylvania: Clarion's 2,729 people per square mile compare with a state median of 1,990.
- Location: 41.2094, -79.3801 (Census Gazetteer coordinates).
- Nearest larger cities: Oil City (23 mi); Franklin (26 mi); Punxsutawney (28 mi); Sugarcreek (28 mi); Titusville (33 mi). Online lenders reach Clarion no matter how far the nearest branch is.
- Smaller communities close by: Strattanville (3 mi); Shippenville (5 mi); Knox (8 mi), each with its own Census population profile.
- Smaller places within 50 miles: 116 of them.
- Larger places within 100 miles: 117.
How a Clarion personal loan is priced
Most loans made to Clarion's 4,295 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Clarion lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Clarion loan is knowable in advance — unlike a revolving card balance.
The state rulebook for Clarion
This table holds the Pennsylvania rate and licensing rules for consumer loans made to Clarion's 4,295 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 |
| 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 |
| 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 |
Getting a loan in Clarion
At roughly 2,729 people per square mile, Clarion is fairly dense; 16 larger places lie within 50 miles. Lenders licensed in Pennsylvania reach Clarion's 4,295 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Oil City, PA about 23 miles away.
Where Clarion sits
Inside Clarion's boundaries lie roughly 1.6 square miles of land and 0.04 square miles of water. Spread across it are roughly 2,729 residents per square mile. The state's population centre of gravity, Philadelphia, is roughly 238 miles away. Within 50 miles of Clarion there are 16 larger Census places. The 100-mile radius contains 117 larger places.
How Clarion compares across Pennsylvania
Among Pennsylvania's 1,013 places, Clarion sits at 228th for population, a share of roughly 0.1% of the state. Its 2020-to-2023 change ranks 16th of 1,013 Pennsylvania places, putting it near the 98th percentile for growth. By density, at about 2,729 people per square mile, it ranks 363rd in Pennsylvania. Within 50 miles sit 116 smaller Census places, alongside the 16 that are larger.
Common questions
What are my options in Clarion if my credit is poor?
What loan size can I expect in Clarion?
Do I have to pledge anything to borrow in Clarion?
Does comparing loans in Clarion cost me credit score points?
Nearby places
- Strattanville, PA — population 525
- Shippenville, PA — population 436
- Knox, PA — population 1,076
- Sligo, PA — population 673
- Corsica, PA — population 313
- Callensburg, PA — population 144
- Rimersburg, PA — population 919
- New Bethlehem, PA — population 953