Personal loans in Smicksburg, PA

At about 56 residents, Smicksburg is larger than roughly 1% of the places in Pennsylvania. In Smicksburg, one of 1,013 Census places in Pennsylvania, the figure to compare across lenders is the APR, not the advertised rate.

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.

Verify the lender's Pennsylvania licence against the regulator named below before borrowing in Smicksburg. Every figure below is Pennsylvania's own, applied to Smicksburg's 56 residents, with the publisher and retrieval date attached. Census data show virtually no population shift in Smicksburg between 2020 and 2023. The nearest larger metro is Dayton, PA about 4 miles away.

The Smicksburg data picture

What follows is Smicksburg's place in the Census record, alongside the Pennsylvania rules that govern a personal loan made here.

How lenders reach Smicksburg

Smicksburg is lightly settled, with about 384 people per square mile and 208 larger places within 50 miles. What is available to Smicksburg's 56 borrowers is set by Pennsylvania licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Dayton, PA about 4 miles away.

Smicksburg's place among Pennsylvania's 1,013 places

Among Pennsylvania's 1,013 places, Smicksburg sits at 1,003rd for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Smicksburg stands 243rd among Pennsylvania's 1,013 places — roughly the 76th percentile. Its roughly 384 residents per square mile place it 902nd among Pennsylvania's places. Within 50 miles sit 1 smaller Census places, alongside the 208 that are larger.

Land, water and location for Smicksburg

Smicksburg's land area is roughly 0.1 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 384 residents per square mile. The largest place in Pennsylvania, Philadelphia, lies about 220 miles away. Within 50 miles of Smicksburg there are 208 larger Census places. By land area it ranks 965th of 1,013 Pennsylvania places.

How Pennsylvania law applies in Smicksburg

Read the table as a lender's compliance picture for Smicksburg: the rule, the sourced figure, the publisher and the date.

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

How a Smicksburg personal loan is priced

With roughly 56 residents, Smicksburg is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Smicksburg. Shortening the term on a Smicksburg loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

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

Related