Personal loans in Minersville, PA

For the 4,400 people in Minersville, Pennsylvania runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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If you are weighing a personal loan in Minersville, start from the payment you can carry; its 4,400 residents face the same statewide rules. Minersville is home to roughly 4,400 people and stands 223rd by size out of 1,013 Census places in Pennsylvania. The 2020 count to the 2023 estimate shows about 0.5% growth in Minersville. Use the calculator on this page to price an amount and term before you commit in Minersville. The next larger city is Pottsville, PA about 3 miles away.

Where Minersville stands

Most of what governs a Minersville loan is written in Pennsylvania law rather than in the city; the sourced notes below make that split concrete.

Population: the Census counts 4,400 residents in Minersville (Vintage 2023 subcounty estimate), the 223rd-largest figure among Pennsylvania's 1,013 places.
Population trend: Growth of about 0.5% across the 2020-to-2023 comparison.
Net change: roughly 21 more people than the 2020 Census counted.
Size percentile: roughly 78% of Pennsylvania's places have fewer residents than Minersville's 4,400.
Density: the Census land area of 0.7 sq mi holds about 6,697 people per square mile.
Land area rank: Minersville's 0.7 square miles rank 623rd of 1,013 places in Pennsylvania.
State share: roughly 0.1% of Pennsylvania's residents live in Minersville (4,400 people).
National rank: Minersville is 5,207th of 19,457 places nationwide.
Growth rank: Minersville ranks 159th 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 Minersville's 0.5%.
Density rank: Minersville is the 55th most densely settled place in Pennsylvania.
Against the state median: Minersville runs about 6,697 residents per square mile, where the Pennsylvania median is 1,990.
Location: 40.6908, -76.2594 (Census Gazetteer coordinates).
Nearest larger cities: Pottsville (3 mi); Schuylkill Haven (6 mi); Mount Carmel (11 mi); Shamokin (17 mi); Hamburg (17 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Nearest smaller towns: Mount Carbon (4 mi); Mechanicsville (4 mi); St. Clair (4 mi).
Within a 50-mile radius: 167 smaller Census places.
Within 100 miles: 229 places are larger than Minersville.

Which Pennsylvania laws govern a loan in Minersville

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

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
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
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

The geography behind Minersville

The Census Gazetteer records about 0.7 square miles of land within Minersville, with no significant water area listed. Spread across it are roughly 6,697 residents per square mile. The largest place in Pennsylvania, Philadelphia, lies about 76 miles away. Minersville has 58 larger places within a 50-mile radius. The 100-mile radius contains 229 larger places.

Lender access in Minersville

At roughly 6,697 people per square mile, Minersville is densely built; 58 larger places lie within 50 miles. Lenders licensed in Pennsylvania reach Minersville's 4,400 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Pottsville, PA about 3 miles away.

Minersville in state context

Against Pennsylvania's other places, Minersville accounts for about 0.1% of the state's population and ranks 223rd of 1,013 by size. On the 2020-to-2023 trend, Minersville stands 159th among Pennsylvania's 1,013 places — roughly the 84th percentile. By density, at about 6,697 people per square mile, it ranks 55th in Pennsylvania. In land area, Minersville ranks 623rd among Pennsylvania's 1,013 places.

How personal loans work in Minersville

A Minersville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 4,400 residents. Two numbers drive a Minersville loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Minersville decides the split between a comfortable payment and the total interest you pay.

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Common questions

What are my options in Minersville 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 Minersville is the same as anywhere in Pennsylvania.

What loan size can I expect in Minersville?

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 Minersville?

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 Minersville 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.

Nearby places

Pottsville, PA — population 13,355
Mount Carbon, PA — population 90
St. Clair, PA — population 2,756
Mechanicsville, PA — population 459
Cressona, PA — population 1,610
Palo Alto, PA — population 971
Port Carbon, PA — population 1,808
Frackville, PA — population 3,883