Personal loans in McConnellsburg, PA
Rate ceilings, licensing requirements and product limits for McConnellsburg are all set at the Pennsylvania level. The Census estimates 1,124 residents in McConnellsburg, which ranks it 573rd of 1,013 places in Pennsylvania. With roughly 1,124 residents, McConnellsburg is a small community, and the lending rules its borrowers live under are written in Pennsylvania, not by the city. McConnellsburg shed about 2.1% of its population between the 2020 base and the 2023 estimate. Rate-shopping from McConnellsburg costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The nearest larger city is Mercersburg, PA about 8 miles away.
Where McConnellsburg stands
McConnellsburg is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: the Census counts 1,124 residents in McConnellsburg (Vintage 2023 subcounty estimate), the 573rd-largest figure among Pennsylvania's 1,013 places.
- Population trend: A drop of about 2.1% from 2020 to 2023.
- Net change: roughly 24 fewer people than the 2020 Census counted.
- Size percentile: about 43% of Pennsylvania's Census places are smaller than McConnellsburg.
- Population density: about 3,239 people per square mile (Census land area 0.3 sq mi).
- Land area rank: McConnellsburg's 0.3 square miles rank 842nd of 1,013 places in Pennsylvania.
- State share: roughly 0.0% of Pennsylvania's residents live in McConnellsburg (1,124 people).
- National rank: McConnellsburg sits 9,778th by population among the 19,457 places in this dataset.
- Growth rank: McConnellsburg ranks 675th among Pennsylvania's 1,013 places for the 2020-to-2023 change.
- Versus Pennsylvania: the state average change is -0.9%, while McConnellsburg moved 2.1%.
- Density rank: McConnellsburg places 283rd among Pennsylvania's places by people per square mile.
- Density vs Pennsylvania: McConnellsburg's 3,239 people per square mile compare with a state median of 1,990.
- Location: the Census Gazetteer records it at 39.9320, -77.9958.
- Nearest larger cities: Mercersburg (8 mi); Greencastle (17 mi); Chambersburg (18 mi); Hancock (18 mi); Everett (20 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller towns nearby: Valley-Hi (13 mi); Three Springs (18 mi); Shade Gap (18 mi).
- Smaller neighbours: 65 places smaller than McConnellsburg sit within 50 miles.
- At 100 miles: 274 larger Census places fall inside that radius.
McConnellsburg's place among Pennsylvania's 1,013 places
Among Pennsylvania's 1,013 places, McConnellsburg sits at 573rd for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, McConnellsburg ranks 675th of 1,013 in Pennsylvania (about the 33th percentile). By density, at about 3,239 people per square mile, it ranks 283rd in Pennsylvania. By land area, its 0.3 square miles rank 842nd of 1,013 places in Pennsylvania.
Inside a McConnellsburg personal loan
In McConnellsburg, a small community of about 1,124, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a McConnellsburg loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a McConnellsburg loan but raises total interest, so the smallest payment is not the cheapest loan.
How lenders reach McConnellsburg
With about 3,239 residents per square mile, McConnellsburg is fairly dense, and 50 larger Census places sit within 50 miles. Lenders licensed in Pennsylvania reach McConnellsburg's 1,124 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Mercersburg, PA about 8 miles away.
Which Pennsylvania laws govern a loan in McConnellsburg
These are Pennsylvania's sourced lending facts as they reach McConnellsburg's 1,124 residents; the state has no city-level rate rule.
| 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 |
| Payday lending status | No 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 |
| Small-loan / installment lender licensing | Consumer 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 |
McConnellsburg on the map
Inside McConnellsburg's boundaries lie about 0.3 square miles of land, with no significant water area recorded. Spread across it are roughly 3,239 residents per square mile. The state's population centre of gravity, Philadelphia, is roughly 152 miles away. McConnellsburg has 50 larger places within a 50-mile radius. Within the same 50 miles lie 65 smaller Census places.
Common questions
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Nearby places
- Mercersburg, PA — population 1,496
- Valley-Hi, PA — population 5
- Three Springs, PA — population 435
- Saltillo, PA — population 307
- Shade Gap, PA — population 77
- Hancock, MD — population 1,557
- Clear Spring, MD — population 370
- Greencastle, PA — population 4,244