Personal loans in Dawson, PA
A lender serving Dawson holds a Pennsylvania licence and answers to a Pennsylvania regulator; no city office is involved for its 339 residents. Dawson ranks 845th of 1,013 places in Pennsylvania, with a population near 339. The closest larger place is Vanderbilt, PA about 1 miles away. The trend for Dawson between 2020 and 2023 is downward by roughly 3.7%. Rate ceilings, licensing requirements and product limits for Dawson are all set at the Pennsylvania level. Begin with the payment, then weigh APR and total interest across the lenders that reach Dawson's 339 residents.
Where Dawson stands
Most of what governs a Dawson loan is written in Pennsylvania law rather than in the city; the sourced notes below make that split concrete.
- Population: about 339 people live here, which puts Dawson 845th of 1,013 Census places in Pennsylvania (Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 3.7%.
- Change in people: the 2020-to-2023 comparison is a loss of about 13 residents.
- Size percentile: Dawson sits ahead of around 17% of Pennsylvania places, at 339 people.
- Population density: about 1,960 people per square mile (Census land area 0.2 sq mi).
- By land area: Dawson ranks 949th among Pennsylvania's 1,013 places, at 0.2 sq mi.
- Water area rank: Dawson ranks 246th among Pennsylvania's 1,013 places, with 0.04 sq mi.
- State share: roughly 0.0% of Pennsylvania's residents live in Dawson (339 people).
- National rank: Dawson sits 14,687th by population among the 19,457 places in this dataset.
- Growth in Pennsylvania: Dawson stands 945th by percentage change from 2020 to 2023, among 1,013 places.
- Against the state trend: Dawson's 3.7% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density rank: Dawson is the 513th most densely settled place in Pennsylvania.
- Density in context: Dawson's 1,960 people per square mile sit against a Pennsylvania median of 1,990.
- Location: 40.0472 / -79.6569, per the US Census Bureau Gazetteer.
- Nearest larger cities: Vanderbilt (1 mi); Connellsville (4 mi); Everson (5 mi); Dunbar (5 mi); Scottdale (5 mi). Larger metros often have more branches, but online lenders reach Dawson on the same terms.
- Smaller communities close by: Smithton (9 mi); Hunker (11 mi); Elco (12 mi), each with its own Census population profile.
- Smaller places within 50 miles: 45 of them.
- Within 100 miles: 517 places are larger than Dawson.
Where Dawson sits in Pennsylvania
Within Pennsylvania, Dawson holds roughly 0.0% of all residents, the 845th-largest share among 1,013 places. Its 2020-to-2023 change ranks 945th of 1,013 Pennsylvania places, putting it near the 7th percentile for growth. Its roughly 1,960 residents per square mile place it 513th among Pennsylvania's places. Between 2020 and 2023 the count changed by roughly 13 residents.
How a Dawson personal loan is priced
In Dawson, a small community of about 339, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Dawson's rank of 845th in Pennsylvania: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Dawson loan but raises total interest, so the smallest payment is not the cheapest loan.
Dawson: area, density and distance
The Census Gazetteer records 0.2 square miles of land and 0.04 square miles of water within Dawson. With 339 residents, the land area yields roughly 1,960 people per square mile. The largest place in Pennsylvania, Philadelphia, lies about 239 miles away. Dawson has 235 larger places within a 50-mile radius. Within the same 50 miles lie 45 smaller Census places.
Steps to take before a Dawson loan
A sensible order of operations for a loan in Dawson, home to about 339 people:
- Pull your credit reports first and correct any error before a lender sees the file.
- Test your amount and term in the personal loan calculator first.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Check the Pennsylvania regulator's records to confirm the lender is licensed here.
- Check that the monthly payment fits your budget next to your existing obligations.
- Pick the shortest term whose payment you can comfortably afford.
- Borrow only what the purpose requires, not the maximum you are offered.
What differs between Dawson and the rest of Pennsylvania is not the process but the borrower's own file, among the 339 people here.
The state rulebook for Dawson
Every row below records a Pennsylvania rule, its publisher and its retrieval date — the same rules a Dawson lender must follow.
| 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 |
Common questions
What are my options in Dawson if my credit is poor?
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Does comparing loans in Dawson cost me credit score points?
Nearby places
- Vanderbilt, PA — population 397
- Connellsville, PA — population 6,700
- Dunbar, PA — population 976
- Everson, PA — population 740
- Scottdale, PA — population 4,337
- South Connellsville, PA — population 1,850
- Perryopolis, PA — population 1,624
- Smithton, PA — population 337