Everson at a glance
- Population: 740 people, the 668th-largest place among Pennsylvania's 1,013 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 769 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: roughly 3.8% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Pennsylvania places: 668th in population of 1,013 places (US Census Bureau).
- Size percentile: roughly 34% of Pennsylvania's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.0906, -79.5870.
- Nearest larger cities (within 120 miles): Scottdale, PA (1 mi); Mount Pleasant, PA (5 mi); Connellsville, PA (5 mi); South Connellsville, PA (7 mi); Dunbar, PA (8 mi) (US Census Bureau populations).
- Nearest smaller communities: Dawson, PA (5 mi); Vanderbilt, PA (6 mi); Hunker, PA (8 mi), each a US Census place.
What a personal loan costs in Everson
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
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.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Pennsylvania lending rules that apply in Everson
The table lists the Pennsylvania rules that apply to a loan made in Everson, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Everson
Run through this list before signing anything in Everson:
- 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.