Personal loans in Evans City, PA

Evans City, Pennsylvania — home to about 1,689 people — is a small community, so the terms you are offered follow Pennsylvania law rather than any local rule. With an estimated 1,689 residents, Evans City is the 468th-largest of 1,013 places in Pennsylvania. The closest larger place is Zelienople, PA about 4 miles away. From the 2020 Census base to the 2023 estimate, the population declined by about 3.0%. Which products a lender may offer to Evans City's 1,689 residents follows from the Pennsylvania consumer-lending framework. Judge Evans City offers on total cost, not on how quickly the money arrives.

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.

Borrowing in Evans City: the local picture

Read the local figures below as context; read the sourced Pennsylvania table as the rulebook a lender here must follow.

Evans City in state context

Against Pennsylvania's other places, Evans City accounts for about 0.0% of the state's population and ranks 468th of 1,013 by size. For population change between 2020 and 2023, Evans City ranks 889th of 1,013 in Pennsylvania (about the 12th percentile). Its roughly 2,065 residents per square mile place it 494th among Pennsylvania's places. Between 2020 and 2023 the count changed by roughly 52 residents.

Where Evans City sits

Evans City's land area is roughly 0.8 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 2,065 residents per square mile. The largest place in Pennsylvania, Philadelphia, lies about 264 miles away. A 50-mile radius around Evans City takes in 152 places that are larger. The 100-mile radius contains 345 larger places.

How personal loans work in Evans City

With roughly 1,689 residents, Evans City is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Evans City can be quoted different APRs on the same amount and term. Shortening the term on a Evans City loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Pennsylvania rules behind a Evans City personal loan

This table holds the Pennsylvania rate and licensing rules for consumer loans made to Evans City's 1,689 residents.

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
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

Borrowing reach in Evans City

Evans City is a fairly dense community of about 1,689 people, with 152 larger places inside a 50-mile radius. Lenders licensed in Pennsylvania reach Evans City's 1,689 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Zelienople, PA about 4 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 Evans City 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 Evans City is the same as anywhere in Pennsylvania.
What loan size can I expect in Evans City?
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 Evans City?
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 Evans City 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.

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