Personal loans in Sharpsburg, PA
Sharpsburg is one of 1,013 Census places in Pennsylvania; its 3,062 residents put it at 313th. The roughly 3,062 people who live in Sharpsburg borrow under Pennsylvania rules; city hall sets no personal-loan rate.
Rate-shopping from Sharpsburg costs nothing at pre-qualification, where a soft pull leaves your credit file alone. To lend to Sharpsburg's 3,062 residents, a company must hold a Pennsylvania licence, and each sourced row below names the regulator behind it. The trend for Sharpsburg between 2020 and 2023 is downward by roughly 3.8%. A larger market lies at Etna, PA about 1 miles away.
Borrowing in Sharpsburg: the local picture
Set out below is Sharpsburg's local context next to the state-level rules that reach every lender here.
- Population: 3,062 — Sharpsburg ranks 313th of 1,013 communities in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: Roughly 3.8% fewer residents than the 2020 Census counted.
- Net change: roughly 120 fewer people than the 2020 Census counted.
- Size percentile: roughly 69% of Pennsylvania places rank below Sharpsburg.
- Population density: about 6,340 people per square mile (Census land area 0.5 sq mi).
- Land area rank: Sharpsburg's 0.5 square miles rank 746th of 1,013 places in Pennsylvania.
- Water: Sharpsburg holds about 0.15 square miles, the 87th-largest water area in Pennsylvania.
- State population share: Sharpsburg accounts for about 0.1% of everyone in Pennsylvania.
- Nationally: Sharpsburg is the 6,215th-largest of 19,457 Census places in the dataset.
- Growth rank: Sharpsburg's 2020-to-2023 change ranks 970th of 1,013 places in Pennsylvania.
- Versus Pennsylvania: the state average change is -0.9%, while Sharpsburg moved 3.8%.
- Density rank: Sharpsburg places 64th among Pennsylvania's places by people per square mile.
- Density vs Pennsylvania: Sharpsburg's 6,340 people per square mile compare with a state median of 1,990.
- Location: 40.4932, -79.9215 (US Census Bureau Gazetteer).
- Nearest larger cities: Etna (1 mi); Fox Chapel (3 mi); Millvale (3 mi); Wilkinsburg (4 mi); Pittsburgh (5 mi). Lenders licensed in the state serve Sharpsburg whether or not they keep a local branch.
- Smaller towns nearby: Aspinwall (1 mi); Blawnox (3 mi); Verona (4 mi).
- Within a 50-mile radius: 233 smaller Census places.
- Within 100 miles: 190 places are larger than Sharpsburg.
Sharpsburg on the map
Sharpsburg covers about 0.5 square miles of land, with 0.15 square miles of water inside its boundaries (Census Gazetteer). With 3,062 residents, the land area yields roughly 6,340 people per square mile. Philadelphia, the largest place in Pennsylvania, is about 255 miles from Sharpsburg. A 50-mile radius around Sharpsburg takes in 96 places that are larger. The 100-mile radius contains 190 larger places.
How a Sharpsburg personal loan is priced
A Sharpsburg personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 3,062 residents. Because pricing is borrower-level, two people in Sharpsburg can be quoted different APRs on the same amount and term. Shortening the term on a Sharpsburg loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Getting a loan in Sharpsburg
With about 6,340 residents per square mile, Sharpsburg is densely built, and 96 larger Census places sit within 50 miles. A Pennsylvania licence lets a lender serve Sharpsburg without a local office, so branch density does not change what its 3,062 residents are offered. For a larger market, the closest option is Etna, PA about 1 miles away.
How Pennsylvania law applies in Sharpsburg
When Pennsylvania does not publish a figure, the row links to the source instead of inventing a number; Sharpsburg 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 |
| 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 status | No 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 |
Where Sharpsburg sits in Pennsylvania
Within Pennsylvania, Sharpsburg holds roughly 0.1% of all residents, the 313th-largest share among 1,013 places. On the 2020-to-2023 trend, Sharpsburg stands 970th among Pennsylvania's 1,013 places — roughly the 4th percentile. Its roughly 6,340 residents per square mile place it 64th among Pennsylvania's places. In land area, Sharpsburg ranks 746th among Pennsylvania's 1,013 places.
Common questions
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Nearby places
- Aspinwall, PA — population 2,806
- Etna, PA — population 3,309
- Fox Chapel, PA — population 5,180
- Millvale, PA — population 3,250
- Blawnox, PA — population 1,402
- Wilkinsburg, PA — population 13,813
- Edgewood, PA — population 3,026
- Pittsburgh, PA — population 303,255