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.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

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.

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.

RuleDetailSource
State lending regulatorPennsylvania 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.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Clarion if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Clarion is the same as anywhere in Pennsylvania.
What loan size can I expect in Clarion?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Clarion?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Clarion cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Related