Personal loans in Dalton, PA

From the 2020 Census base to the 2023 estimate, the population rose by about 0.9%. Dalton, Pennsylvania — home to about 1,289 people — is a small community, so the terms you are offered follow Pennsylvania law rather than any local rule.

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

Compare loan offers Run the numbers first

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.

With an estimated 1,289 residents, Dalton is the 539th-largest of 1,013 places in Pennsylvania. Borrowers who want a bigger city can look to Clarks Green, PA about 3 miles away. Which products a lender may offer to Dalton's 1,289 residents follows from the Pennsylvania consumer-lending framework. Begin with the payment, then weigh APR and total interest across the lenders that reach Dalton's 1,289 residents.

Borrowing in Dalton: the local picture

The figures below are Dalton's own — Census population, land area and coordinates — followed by the Pennsylvania rules.

Borrowing reach in Dalton

With about 427 residents per square mile, Dalton is lightly settled, and 68 larger Census places sit within 50 miles. Whether Dalton has a local branch or not, a Pennsylvania-licensed lender can serve its 1,289 people online on the same terms. The nearest larger city, Clarks Green, PA about 3 miles away.

Pennsylvania consumer-lending rules applied in Dalton

Read the table as a lender's compliance picture for Dalton: the rule, the sourced figure, the publisher and the date.

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
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
Payday lending statusNo 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

Land, water and location for Dalton

The Census Gazetteer records 3.0 square miles of land and 0.06 square miles of water within Dalton. With 1,289 residents, the land area yields roughly 427 people per square mile. The largest place in Pennsylvania, Philadelphia, lies about 110 miles away. A 50-mile radius around Dalton takes in 68 places that are larger. The 100-mile radius contains 421 larger places.

Where Dalton sits in Pennsylvania

Dalton is the 539th-largest of 1,013 Census places in Pennsylvania and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 101st of 1,013 Pennsylvania places, putting it near the 90th percentile for growth. By density, at about 427 people per square mile, it ranks 888th in Pennsylvania. In land area, Dalton ranks 123rd among Pennsylvania's 1,013 places.

What to do before borrowing in Dalton

These steps shape the offer you get in Dalton, a place of about 1,289 people:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Check the Pennsylvania regulator's records to confirm the lender is licensed here.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. Write down the purpose of the loan and your repayment plan before you apply.

None of these steps is Dalton-specific: the same Pennsylvania licensing and disclosure rules reach all 1,289 residents.

Compare personal loan offers Run the numbers first

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 Dalton 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 Dalton is the same as anywhere in Pennsylvania.
What loan size can I expect in Dalton?
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 Dalton?
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 Dalton 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