Personal loans in Salisbury, PA
From the 2020 Census base to the 2023 estimate, the population declined by about 2.5%. In Salisbury, one of 1,013 Census places in Pennsylvania, the figure to compare across lenders is the APR, not the advertised rate. By population, Salisbury sits at 691st in Pennsylvania, with an estimated 688 residents. The next larger city is Meyersdale, PA about 5 miles away. Consumer lending that reaches Salisbury's 688 residents is governed by Pennsylvania statute; no city ordinance changes it. Judge Salisbury offers on total cost, not on how quickly the money arrives.
What the Census records for Salisbury
Salisbury is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 688 — Salisbury ranks 691st of 1,013 communities in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: Roughly 2.5% fewer residents than the 2020 Census counted.
- People gained or lost: about 18 fewer since the 2020 base.
- Size percentile: Salisbury's 688 people outrank roughly 32% of the places in Pennsylvania.
- Density: the Census land area of 0.4 sq mi holds about 1,796 people per square mile.
- Land area: Salisbury covers 0.4 square miles, the 821st-largest area among Pennsylvania's 1,013 places.
- Share of Pennsylvania: Salisbury holds about 0.0% of the state's population, some 688 people.
- National standing: Salisbury ranks 11,863rd of 19,457 US places.
- Growth rank: Salisbury's 2020-to-2023 change ranks 809th of 1,013 places in Pennsylvania.
- State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Salisbury's 2.5%.
- Density rank: Salisbury places 553rd among Pennsylvania's places by people per square mile.
- Density in context: Salisbury's 1,796 people per square mile sit against a Pennsylvania median of 1,990.
- Location: latitude 39.7535, longitude -79.0844 (Census Gazetteer).
- Nearest larger cities: Meyersdale (5 mi); Grantsville (5 mi); Frostburg (11 mi); Rockwood (12 mi); Berlin (14 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities close by: Garrett (8 mi); Callimont (9 mi); Casselman (11 mi), each with its own Census population profile.
- Smaller neighbours: 80 places smaller than Salisbury sit within 50 miles.
- Within 100 miles: 372 places are larger than Salisbury.
Pennsylvania rules behind a Salisbury personal loan
When Pennsylvania does not publish a figure, the row links to the source instead of inventing a number; Salisbury is bound by the same rules.
| 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 is available to Salisbury borrowers
Salisbury is a moderately settled community of about 688 people, with 72 larger places inside a 50-mile radius. A Pennsylvania licence lets a lender serve Salisbury without a local office, so branch density does not change what its 688 residents are offered. For a larger market, the closest option is Meyersdale, PA about 5 miles away.
What a Salisbury borrower is actually offered
Salisbury is a small community of about 688 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Salisbury. Shortening the term on a Salisbury loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
A practical checklist for Salisbury borrowers
A sensible order of operations for a loan in Salisbury, home to about 688 people:
- Start with the credit file: order the reports, fix the errors, then apply.
- Model the payment on the calculator before a lender models it for you.
- Get several pre-qualifications and compare APR side by side before choosing.
- Confirm the lender holds a Pennsylvania licence by checking the regulator named above.
- Write down the purpose of the loan and your repayment plan before you apply.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
In Salisbury as elsewhere in Pennsylvania, the written terms — not the advertisement — are what count for its 688 residents.
Salisbury against the rest of Pennsylvania
Within Pennsylvania, Salisbury holds roughly 0.0% of all residents, the 691st-largest share among 1,013 places. On the 2020-to-2023 trend, Salisbury stands 809th among Pennsylvania's 1,013 places — roughly the 20th percentile. By density, at about 1,796 people per square mile, it ranks 553rd in Pennsylvania. In land area, Salisbury ranks 821st among Pennsylvania's 1,013 places.
Common questions
What are my options in Salisbury if my credit is poor?
What loan size can I expect in Salisbury?
Do I have to pledge anything to borrow in Salisbury?
Does comparing loans in Salisbury cost me credit score points?
Nearby places
- Meyersdale, PA — population 2,016
- Grantsville, MD — population 958
- Garrett, PA — population 411
- Callimont, PA — population 53
- Rockwood, PA — population 828
- Casselman, PA — population 114
- Frostburg, MD — population 6,963
- Midland, MD — population 478