Personal loans in Duryea, PA

Personal loans in Duryea are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 5,075 population.

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.

If debt is already a strain, a nonprofit credit counsellor can help Duryea residents before they take on more. By population, Duryea sits at 189th in Pennsylvania, with an estimated 5,075 residents. Rate ceilings, licensing requirements and product limits for Duryea are all set at the Pennsylvania level. Duryea gained roughly 0.7% in population across the 2020-to-2023 comparison. The nearest larger city is Pittston, PA about 2 miles away.

Borrowing in Duryea: the local picture

Two layers matter for a Duryea borrower: the local population picture and Pennsylvania's consumer-lending statutes.

How Duryea compares across Pennsylvania

Within Pennsylvania, Duryea holds roughly 0.1% of all residents, the 189th-largest share among 1,013 places. Its 2020-to-2023 change ranks 133rd of 1,013 Pennsylvania places, putting it near the 87th percentile for growth. By density, at about 919 people per square mile, it ranks 752nd in Pennsylvania. In land area, Duryea ranks 53rd among Pennsylvania's 1,013 places.

What is available to Duryea borrowers

Duryea is moderately settled, with about 919 people per square mile and 28 larger places within 50 miles. Distance to a branch rarely matters for Duryea's 5,075 residents: the application is online and the price follows your credit file. The nearest larger city, Pittston, PA about 2 miles away.

Where Duryea sits

Duryea covers about 5.5 square miles of land, with 0.19 square miles of water inside its boundaries (Census Gazetteer). With 5,075 residents, the land area yields roughly 919 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 99 miles away. Within 50 miles of Duryea there are 28 larger Census places. The 100-mile radius contains 253 larger places.

A practical checklist for Duryea borrowers

These steps shape the offer you get in Duryea, a place of about 5,075 people:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  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. Confirm the Pennsylvania licence with the regulator named above before committing.
  5. Be clear on what the loan is for and how it gets repaid.
  6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  7. Check the disclosure for fees that raise the true cost above the quoted rate.

In Duryea as elsewhere in Pennsylvania, the written terms — not the advertisement — are what count for its 5,075 residents.

Which Pennsylvania laws govern a loan in Duryea

When Pennsylvania does not publish a figure, the row links to the source instead of inventing a number; Duryea is bound by the same rules.

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

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

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