Personal loans in Paint, PA

With an estimated 886 residents, Paint is the 628th-largest of 1,013 places in Pennsylvania.

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.

With roughly 886 residents, Paint is a small community, and the lending rules its borrowers live under are written in Pennsylvania, not by the city. Use the calculator on this page to price an amount and term before you commit in Paint. Lenders active in Paint report to a Pennsylvania supervisor, identified in the sourced rows below. A 2020-to-2023 comparison shows Paint down by about 2.2%. For a bigger market, look to Windber, PA about 1 miles away.

What the Census records for Paint

Here is the sourced Census picture for Paint, plus the Pennsylvania lending rules that apply to a loan taken out here.

Paint: area, density and distance

Inside Paint's boundaries lie about 0.3 square miles of land, with no significant water area recorded. That land carries about 2,568 people per square mile. Philadelphia, the largest place in Pennsylvania, is about 197 miles from Paint. Within 50 miles of Paint there are 72 larger Census places. By land area it ranks 844th of 1,013 Pennsylvania places.

How Pennsylvania law applies in Paint

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

Lender access in Paint

Paint is a fairly dense community of about 886 people, with 72 larger places inside a 50-mile radius. Whether Paint has a local branch or not, a Pennsylvania-licensed lender can serve its 886 people online on the same terms. The nearest bigger place is Windber, PA about 1 miles away.

What shapes a Paint personal loan

Paint is a small community of about 886 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 Paint's rank of 628th in Pennsylvania: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Paint loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Paint in state context

Within Pennsylvania, Paint holds roughly 0.0% of all residents, the 628th-largest share among 1,013 places. On the 2020-to-2023 trend, Paint stands 708th among Pennsylvania's 1,013 places — roughly the 30th percentile. Its roughly 2,568 residents per square mile place it 394th among Pennsylvania's places. Between 2020 and 2023 the count changed by roughly 20 residents.

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