Smicksburg at a glance
- Population: about 56, 1,003rd by size in Pennsylvania of 1,013 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 56 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: no meaningful change since the 2020 count (US Census Bureau).
- Rank among Pennsylvania places: 1,003rd of 1,013 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 1% of Pennsylvania's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 40.8701, -79.1713 in the US Census Bureau Gazetteer.
- Nearest larger cities: Dayton, PA (4 mi); Plumville, PA (5 mi); Timblin, PA (7 mi); Rural Valley, PA (9 mi); Atwood, PA (9 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: New Washington, PA (25 mi); Seven Springs, PA (59 mi); Driftwood, PA (64 mi) (US Census Bureau estimates).
What a personal loan costs in Smicksburg
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
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.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Pennsylvania lending rules that apply in Smicksburg
The Pennsylvania rate caps and licensing rules that reach Smicksburg are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Smicksburg
These steps are the ones that most affect the offer you receive in Smicksburg:
- 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.