Emsworth at a glance
- Population: 2,426 (US Census Bureau, Vintage 2023 subcounty estimate), the 383rd-largest of 1,013 places in Pennsylvania.
- 2020 Census base: 2,521 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 3.8% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Pennsylvania places: the 383rd-largest of 1,013 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 62% of places in Pennsylvania rank below it by population (US Census Bureau).
- Coordinates: it sits at 40.5109, -80.0962 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Avalon, PA (2 mi); Bellevue, PA (2 mi); West View, PA (3 mi); McKees Rocks, PA (3 mi); Coraopolis, PA (3 mi) (US Census Bureau populations).
- Nearest smaller communities: Ben Avon, PA (1 mi); Ben Avon Heights, PA (1 mi); Glenfield, PA (2 mi) (Census populations).
What a personal loan costs in Emsworth
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Pennsylvania lending rules that apply in Emsworth
The Pennsylvania rate caps and licensing rules that reach Emsworth are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Emsworth
Here is a short checklist for comparing personal loans in Emsworth:
- 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.