Personal loans in Mifflinburg, PA

Two households in Mifflinburg with comparable incomes can still be offered different rates; the city's 3,441 residents are not the reason. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Mifflinburg's 3,441 residents. With 3,441 residents, Mifflinburg outranks about 72% of the communities in Pennsylvania. Price two or three terms so you can see which payment is truly affordable in Mifflinburg. A 2020-to-2023 comparison shows Mifflinburg down by about 1.1%. The next larger city is Lewisburg, PA about 9 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.

Mifflinburg by the numbers

Only a few things actually differ by place — population, area, location, and the Pennsylvania rules a lender must follow — and they are below.

How Pennsylvania law applies in Mifflinburg

When Pennsylvania does not publish a figure, the row links to the source instead of inventing a number; Mifflinburg 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
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
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

The geography behind Mifflinburg

Mifflinburg covers about 1.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 1,907 residents per square mile. Philadelphia, the largest place in Pennsylvania, is about 119 miles from Mifflinburg. Counting outward 50 miles, 31 larger communities surround Mifflinburg. Within the same 50 miles lie 93 smaller Census places.

The anatomy of a Mifflinburg personal loan

Mifflinburg is a small community of about 3,441 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Mifflinburg's rank of 283rd in Pennsylvania: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Mifflinburg loan is knowable in advance — unlike a revolving card balance.

Mifflinburg against the rest of Pennsylvania

Within Pennsylvania, Mifflinburg holds roughly 0.1% of all residents, the 283rd-largest share among 1,013 places. Its 2020-to-2023 change ranks 476th of 1,013 Pennsylvania places, putting it near the 53th percentile for growth. By density, at about 1,907 people per square mile, it ranks 530th in Pennsylvania. In land area, Mifflinburg ranks 249th among Pennsylvania's 1,013 places.

Borrowing reach in Mifflinburg

Mifflinburg is moderately settled, with about 1,907 people per square mile and 31 larger places within 50 miles. A Pennsylvania licence lets a lender serve Mifflinburg without a local office, so branch density does not change what its 3,441 residents are offered. The nearest larger city, Lewisburg, PA about 9 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 Mifflinburg 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 Mifflinburg is the same as anywhere in Pennsylvania.
What loan size can I expect in Mifflinburg?
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 Mifflinburg?
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 Mifflinburg 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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