Personal loans in Emsworth, PA

With roughly 2,426 residents, Emsworth is a small community, and the lending rules its borrowers live under are written in Pennsylvania, not by the city. The Census estimates 2,426 residents in Emsworth, which ranks it 383rd of 1,013 places in Pennsylvania. A 2020-to-2023 comparison shows Emsworth down by about 3.8%. Use the calculator on this page to price an amount and term before you commit in Emsworth. For a bigger market, look to Avalon, PA about 2 miles away. A single loan can carry different costs on either side of a state line, and Emsworth sits on the Pennsylvania side of that line.

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.

Emsworth: population, trend and location

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

Emsworth in state context

Within Pennsylvania, Emsworth holds roughly 0.0% of all residents, the 383rd-largest share among 1,013 places. Its 2020-to-2023 change ranks 967th of 1,013 Pennsylvania places, putting it near the 5th percentile for growth. At about 4,264 people per square mile, Emsworth is the 165th most densely settled place in Pennsylvania. By land area, its 0.6 square miles rank 680th of 1,013 places in Pennsylvania.

Which Pennsylvania laws govern a loan in Emsworth

When Pennsylvania does not publish a figure, the row links to the source instead of inventing a number; Emsworth 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
Small-loan / installment lender licensingConsumer 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
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

The geography behind Emsworth

Emsworth covers about 0.6 square miles of land, with 0.12 square miles of water inside its boundaries (Census Gazetteer). That land carries about 4,264 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 264 miles away. Counting outward 50 miles, 119 larger communities surround Emsworth. By land area it ranks 680th of 1,013 Pennsylvania places.

How a Emsworth personal loan is priced

In Emsworth, a small community of about 2,426, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Emsworth's 2,426 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Emsworth loan but raises total interest, so the smallest payment is not the cheapest loan.

What is available to Emsworth borrowers

Emsworth is fairly dense, with about 4,264 people per square mile and 119 larger places within 50 miles. Lenders licensed in Pennsylvania reach Emsworth's 2,426 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Avalon, PA about 2 miles away.

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