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.

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.

Where McConnellsburg stands

McConnellsburg is a small community; the notes below cover its population profile and the statewide rules that apply.

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.

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
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
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

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.

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