Personal loans in Pitcairn, PA
The Census counts 2,987 people in Pitcairn, the 323rd-largest figure among Pennsylvania's 1,013 places. From the 2020 Census base to the 2023 estimate, the population declined by about 3.8%. Personal loans in Pitcairn are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 2,987 population. To lend to Pitcairn's 2,987 residents, a company must hold a Pennsylvania licence, and each sourced row below names the regulator behind it. Price two or three terms so you can see which payment is truly affordable in Pitcairn. Borrowers who want a bigger city can look to Monroeville, PA about 2 miles away.
What the Census records for Pitcairn
Set out below is Pitcairn's local context next to the state-level rules that reach every lender here.
- Population: 2,987 residents; Pitcairn is the 323rd-largest of 1,013 places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: A drop of about 3.8% from 2020 to 2023.
- Net change: roughly 118 fewer people than the 2020 Census counted.
- Size percentile: about 68% of Pennsylvania's Census places are smaller than Pitcairn.
- Population density: about 5,903 people per square mile (Census land area 0.5 sq mi).
- Land area rank: Pitcairn's 0.5 square miles rank 727th of 1,013 places in Pennsylvania.
- Share of Pennsylvania: Pitcairn holds about 0.1% of the state's population, some 2,987 people.
- Nationally: Pitcairn is the 6,303rd-largest of 19,457 Census places in the dataset.
- Growth rank: Pitcairn ranks 980th 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 Pitcairn's 3.8%.
- Density rank: Pitcairn places 76th among Pennsylvania's places by people per square mile.
- Density vs Pennsylvania: Pitcairn's 5,903 people per square mile compare with a state median of 1,990.
- Location: the Census Gazetteer records it at 40.4078, -79.7764.
- Nearest larger cities: Monroeville (2 mi); Trafford (2 mi); Turtle Creek (2 mi); Churchill (4 mi); North Braddock (4 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller places close by: Wall (1 mi); Wilmerding (2 mi); East McKeesport (2 mi).
- Smaller neighbours: 224 places smaller than Pitcairn sit within 50 miles.
- Within 100 miles: 177 places are larger than Pitcairn.
Getting a loan in Pitcairn
Pitcairn is densely built, with about 5,903 people per square mile and 99 larger places within 50 miles. What is available to Pitcairn's 2,987 borrowers is set by Pennsylvania licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Monroeville, PA about 2 miles away.
Pitcairn's place among Pennsylvania's 1,013 places
Pitcairn is the 323rd-largest of 1,013 Census places in Pennsylvania and contains about 0.1% of the state's people. For population change between 2020 and 2023, Pitcairn ranks 980th of 1,013 in Pennsylvania (about the 3th percentile). At about 5,903 people per square mile, Pitcairn is the 76th most densely settled place in Pennsylvania. The population moved by about 118 people between 2020 and 2023, a 3.8% shift.
The state rulebook for Pitcairn
Below are the Pennsylvania rules that apply to a loan made in Pitcairn, each with the regulator that issued it.
| 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 |
What a Pitcairn borrower is actually offered
In Pitcairn, a small community of about 2,987, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Pitcairn. The term you choose in Pitcairn decides the split between a comfortable payment and the total interest you pay.
Pitcairn: area, density and distance
Pitcairn's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. That land carries about 5,903 people per square mile. Philadelphia, the largest place in Pennsylvania, is about 247 miles from Pitcairn. A 50-mile radius around Pitcairn takes in 99 places that are larger. The 100-mile radius contains 177 larger places.
Common questions
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What loan size can I expect in Pitcairn?
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Nearby places
- Wall, PA — population 497
- Monroeville, PA — population 27,974
- Trafford, PA — population 3,243
- Wilmerding, PA — population 1,715
- East McKeesport, PA — population 1,992
- Turtle Creek, PA — population 4,929
- Chalfant, PA — population 719
- East Pittsburgh, PA — population 1,855