Personal loans in Mercersburg, PA

Lenders active in Mercersburg report to a Pennsylvania supervisor, identified in the sourced rows below. Mercersburg is home to roughly 1,496 people and stands 495th by size out of 1,013 Census places in Pennsylvania. Use the calculator on this page to price an amount and term before you commit in Mercersburg. The 2020 count to the 2023 estimate shows about 0.7% decline in Mercersburg. A larger market lies at Greencastle, PA about 10 miles away.

What the Census records for Mercersburg

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

• Population: 1,496 people, a figure that places Mercersburg 495th among the 1,013 Census places in Pennsylvania (US Census Bureau, Vintage 2023).
• Population trend: About 0.7% below the 2020 Census base.
• Absolute change: 11 residents lost between 2020 and 2023.
• Size percentile: about 51% of Pennsylvania's Census places are smaller than Mercersburg.
• Land and density: 0.9 square miles of land carry roughly 1,659 residents per square mile.
• By land area: Mercersburg ranks 491st among Pennsylvania's 1,013 places, at 0.9 sq mi.
• Within Pennsylvania: about 0.0% of the state's population lives in Mercersburg.
• National standing: Mercersburg ranks 8,696th of 19,457 US places.
• Growth rank: Mercersburg ranks 384th among Pennsylvania's 1,013 places for the 2020-to-2023 change.
• State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Mercersburg's 0.7%.
• Density in Pennsylvania: Mercersburg ranks 574th by people per square mile.
• Against the state median: Mercersburg runs about 1,659 residents per square mile, where the Pennsylvania median is 1,990.
• Location: it lies at 39.8319, -77.9029 in the Census Gazetteer.
• Nearest larger cities: Greencastle (10 mi); Chambersburg (15 mi); Hagerstown (16 mi); Hancock (16 mi); Williamsport (17 mi). Living near a larger metro rarely changes what is available in Mercersburg.
• Nearest smaller places: McConnellsburg (8 mi); Clear Spring (12 mi); Funkstown (19 mi).
• Smaller neighbours: 65 places smaller than Mercersburg sit within 50 miles.
• At 100 miles: 232 larger Census places fall inside that radius.

The geography behind Mercersburg

Inside Mercersburg's boundaries lie about 0.9 square miles of land, with no significant water area recorded. That land carries about 1,659 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 147 miles. Counting outward 50 miles, 46 larger communities surround Mercersburg. Within the same 50 miles lie 65 smaller Census places.

Steps to take before a Mercersburg loan

Before you hand your details to a lender in Mercersburg, where the population is near 1,496:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Test your amount and term in the personal loan calculator first.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Check the Pennsylvania regulator's records to confirm the lender is licensed here.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

In Mercersburg as elsewhere in Pennsylvania, the written terms — not the advertisement — are what count for its 1,496 residents.

What a Mercersburg borrower is actually offered

In Mercersburg, a small community of about 1,496, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Mercersburg's 1,496 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Mercersburg decides the split between a comfortable payment and the total interest you pay.

How Mercersburg compares across Pennsylvania

Within Pennsylvania, Mercersburg holds roughly 0.0% of all residents, the 495th-largest share among 1,013 places. For population change between 2020 and 2023, Mercersburg ranks 384th of 1,013 in Pennsylvania (about the 62th percentile). By density, at about 1,659 people per square mile, it ranks 574th in Pennsylvania. The population moved by about 11 people between 2020 and 2023, a 0.7% shift.

The state rulebook for Mercersburg

Every row below records a Pennsylvania rule, its publisher and its retrieval date — the same rules a Mercersburg lender must follow.