Personal loans in Clark, PA
Clark, Pennsylvania — home to about 562 people — is a small community, so the terms you are offered follow Pennsylvania law rather than any local rule. From the 2020 Census base to the 2023 estimate, the population declined by about 2.4%.
The Census counts 562 people in Clark, the 740th-largest figure among Pennsylvania's 1,013 places. Rate-shopping from Clark costs nothing at pre-qualification, where a soft pull leaves your credit file alone. State law, not city hall, decides what a lender may do to Clark's roughly 562 residents, and a state regulator supervises it. The nearest larger city is Hermitage, PA about 4 miles away.
The Clark data picture
Most of what governs a Clark loan is written in Pennsylvania law rather than in the city; the sourced notes below make that split concrete.
- Population: the Census counts 562 residents in Clark (Vintage 2023 subcounty estimate), the 740th-largest figure among Pennsylvania's 1,013 places.
- Population trend: Lower by roughly 2.4% since the 2020 count.
- People gained or lost: about 14 fewer since the 2020 base.
- Size percentile: about 27% of Pennsylvania's Census places are smaller than Clark.
- Population density: about 187 people per square mile across 3.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Clark covers 3.0 square miles, the 124th-largest area among Pennsylvania's 1,013 places.
- Water area: Clark has 0.61 square miles of water, ranking 11th of 1,013 places in Pennsylvania.
- Share of state population: Clark's 562 residents are about 0.0% of Pennsylvania.
- National rank: Clark is 12,686th of 19,457 places nationwide.
- Growth in Pennsylvania: Clark stands 761st by percentage change from 2020 to 2023, among 1,013 places.
- Against the state trend: Clark's 2.4% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density in Pennsylvania: Clark ranks 956th by people per square mile.
- Density vs Pennsylvania: Clark's 187 people per square mile compare with a state median of 1,990.
- Location: the Census Gazetteer records it at 41.2877, -80.4047.
- Nearest larger cities: Hermitage (4 mi); Sharpsville (4 mi); Sharon (6 mi); Farrell (7 mi); Wheatland (8 mi). Larger metros often have more branches, but online lenders reach Clark on the same terms.
- Smaller towns nearby: Orangeville (7 mi); Fredonia (8 mi); Yankee Lake (9 mi).
- Within a 50-mile radius: 54 smaller Census places.
- Larger places within 100 miles: 510.
A pre-application checklist for Clark
A sensible order of operations for a loan in Clark, home to about 562 people:
- Start with the credit file: order the reports, fix the errors, then apply.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Line up several pre-qualified offers and let the APR decide.
- Make sure the lender appears in the Pennsylvania regulator's licence list.
- Make sure the new payment leaves room in a budget you already keep.
- Pick the shortest term whose payment you can comfortably afford.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
None of these steps is Clark-specific: the same Pennsylvania licensing and disclosure rules reach all 562 residents.
Clark's place among Pennsylvania's 1,013 places
Against Pennsylvania's other places, Clark accounts for about 0.0% of the state's population and ranks 740th of 1,013 by size. On the 2020-to-2023 trend, Clark stands 761st among Pennsylvania's 1,013 places — roughly the 25th percentile. Its roughly 187 residents per square mile place it 956th among Pennsylvania's places. Between 2020 and 2023 the count changed by roughly 14 residents.
The geography behind Clark
Clark's land area is about 3.0 square miles; a further 0.61 square miles is water. With 562 residents, the land area yields roughly 187 people per square mile. Philadelphia, the largest place in Pennsylvania, is about 290 miles from Clark. Counting outward 50 miles, 128 larger communities surround Clark. The 100-mile radius contains 510 larger places.
The state rulebook for Clark
For the roughly 562 residents of Clark, the rules below are Pennsylvania's own; each row carries its publisher and retrieval date.
| 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 |
How personal loans work in Clark
In Clark, a small community of about 562, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Clark can be quoted different APRs on the same amount and term. The term you choose in Clark decides the split between a comfortable payment and the total interest you pay.
Common questions
What are my options in Clark if my credit is poor?
What loan size can I expect in Clark?
Do I have to pledge anything to borrow in Clark?
Does comparing loans in Clark cost me credit score points?
Nearby places
- Hermitage, PA — population 15,923
- Sharpsville, PA — population 4,147
- Sharon, PA — population 12,813
- Greenville, PA — population 5,484
- Farrell, PA — population 4,160
- West Middlesex, PA — population 794
- Wheatland, PA — population 569
- Orangeville, OH — population 170