Personal loans in Williamsburg, PA
The roughly 1,198 people who live in Williamsburg borrow under Pennsylvania rules; city hall sets no personal-loan rate. By population, Williamsburg sits at 558th in Pennsylvania, with an estimated 1,198 residents. Rate-shopping from Williamsburg costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The 2020 count to the 2023 estimate shows about 2.7% decline in Williamsburg. State law, not city hall, decides what a lender may do to Williamsburg's roughly 1,198 residents, and a state regulator supervises it. The closest larger city is Hollidaysburg, PA about 10 miles away.
Borrowing in Williamsburg: the local picture
Most of what governs a Williamsburg loan is written in Pennsylvania law rather than in the city; the sourced notes below make that split concrete.
- Population: 1,198 residents; Williamsburg is the 558th-largest of 1,013 places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 2.7%.
- Absolute change: 33 residents lost between 2020 and 2023.
- Size percentile: roughly 45% of Pennsylvania places rank below Williamsburg.
- Population density: 3,264 people per square mile on 0.4 square miles of land.
- By land area: Williamsburg ranks 828th among Pennsylvania's 1,013 places, at 0.4 sq mi.
- Share of state population: Williamsburg's 1,198 residents are about 0.0% of Pennsylvania.
- National rank: Williamsburg sits 9,561st by population among the 19,457 places in this dataset.
- Growth in Pennsylvania: Williamsburg stands 840th by percentage change from 2020 to 2023, among 1,013 places.
- Against the state trend: Williamsburg's 2.7% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density rank: Williamsburg is the 278th most densely settled place in Pennsylvania.
- Density vs Pennsylvania: Williamsburg's 3,264 people per square mile compare with a state median of 1,990.
- Location: 40.4630, -78.2049 (US Census Bureau Gazetteer).
- Nearest larger cities: Hollidaysburg (10 mi); Huntingdon (11 mi); Altoona (11 mi); Bellwood (12 mi); Duncansville (12 mi). A branch is convenient; it is not what sets your APR.
- Smaller places nearby: Marklesburg (6 mi); Alexandria (9 mi); Petersburg (11 mi).
- Smaller neighbours: 100 places smaller than Williamsburg sit within 50 miles.
- At 100 miles: 308 larger Census places fall inside that radius.
How Williamsburg compares across Pennsylvania
Set beside Pennsylvania's 1,013 places, Williamsburg ranks 558th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Williamsburg stands 840th among Pennsylvania's 1,013 places — roughly the 17th percentile. At about 3,264 people per square mile, Williamsburg is the 278th most densely settled place in Pennsylvania. In land area, Williamsburg ranks 828th among Pennsylvania's 1,013 places.
Borrowing reach in Williamsburg
Williamsburg is a fairly dense community of about 1,198 people, with 38 larger places inside a 50-mile radius. A Pennsylvania licence lets a lender serve Williamsburg without a local office, so branch density does not change what its 1,198 residents are offered. The nearest larger city, Hollidaysburg, PA about 10 miles away.
Williamsburg: area, density and distance
Inside Williamsburg's boundaries lie about 0.4 square miles of land, with no significant water area recorded. Spread across it are roughly 3,264 residents per square mile. For the state's biggest city, Philadelphia, the distance is roughly 165 miles. Within 50 miles of Williamsburg there are 38 larger Census places. By land area it ranks 828th of 1,013 Pennsylvania places.
The state rulebook for Williamsburg
These are Pennsylvania's sourced lending facts as they reach Williamsburg's 1,198 residents; the state has no city-level rate rule.
| 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 |
| 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 |
What a Williamsburg borrower is actually offered
Most loans made to Williamsburg's 1,198 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Williamsburg. Because the payment is fixed, the total cost of a Williamsburg loan is knowable in advance — unlike a revolving card balance.
Common questions
What are my options in Williamsburg if my credit is poor?
What loan size can I expect in Williamsburg?
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Does comparing loans in Williamsburg cost me credit score points?
Nearby places
- Marklesburg, PA — population 196
- Alexandria, PA — population 371
- Birmingham, PA — population 87
- Bellwood, PA — population 1,773
- Petersburg, PA — population 414
- Hollidaysburg, PA — population 5,506
- Martinsburg, PA — population 1,830
- Huntingdon, PA — population 6,898