Dickson City at a glance
- Population: roughly 6,002 people; 145th of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 6,037 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a decline of roughly 0.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Pennsylvania places: 145th out of 1,013 Census places (US Census Bureau).
- Size percentile: about 86% of Pennsylvania's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 41.4683, -75.6358.
- Nearest larger cities: Blakely, PA (2 mi); Dunmore, PA (4 mi); Scranton, PA (5 mi); Archbald, PA (5 mi); Taylor, PA (6 mi), each a US Census place with its estimated population.
- Smaller places nearby: Throop, PA (3 mi); Olyphant, PA (3 mi); Clarks Green, PA (4 mi), per US Census Bureau estimates.
What a personal loan costs in Dickson City
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Pennsylvania lending rules that apply in Dickson City
Read the table as the compliance picture for a lender serving Dickson City: label, sourced figure, publisher and date.
| 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 |
| 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 |
| 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 |
How to compare offers in Dickson City
These steps are the ones that most affect the offer you receive in Dickson City:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Pennsylvania using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.