Personal loans in Bellwood, PA
When Pennsylvania caps or restricts a product, lenders either change the terms or withdraw it from Bellwood as from the rest of the state.
For a borrower among the roughly 1,773 residents of Bellwood, a personal loan is a tool whose cost turns on the terms, not the address. Bellwood is one of 1,013 Census places in Pennsylvania; its 1,773 residents put it at 458th. Census figures put the 2020-to-2023 decrease in Bellwood at about 2.6%. If debt is already a strain, a nonprofit credit counsellor can help Bellwood residents before they take on more. The next larger city is Tyrone, PA about 7 miles away.
Bellwood: the sourced local profile
What follows is Bellwood's place in the Census record, alongside the Pennsylvania rules that govern a personal loan made here.
- Population: about 1,773 people live here, which puts Bellwood 458th of 1,013 Census places in Pennsylvania (Vintage 2023).
- Population trend: A loss of roughly 2.6% between 2020 and 2023.
- Absolute change: 48 residents lost between 2020 and 2023.
- Size percentile: with 1,773 residents, Bellwood is larger than about 55% of Pennsylvania's Census places.
- Population density: about 3,725 people per square mile (Census land area 0.5 sq mi).
- Land area: Bellwood covers 0.5 square miles, the 750th-largest area among Pennsylvania's 1,013 places.
- State share: roughly 0.0% of Pennsylvania's residents live in Bellwood (1,773 people).
- National rank: Bellwood sits 8,066th by population among the 19,457 places in this dataset.
- Growth rank: Bellwood ranks 829th among Pennsylvania's 1,013 places for the 2020-to-2023 change.
- Versus Pennsylvania: the state average change is -0.9%, while Bellwood moved 2.6%.
- Density rank: Bellwood is the 221st most densely settled place in Pennsylvania.
- Density vs Pennsylvania: Bellwood's 3,725 people per square mile compare with a state median of 1,990.
- Location: 40.6007 / -78.3333, per the US Census Bureau Gazetteer.
- Nearest larger cities: Tyrone (7 mi); Altoona (7 mi); Hollidaysburg (12 mi); Huntingdon (19 mi); Roaring Spring (19 mi). Larger metros often have more branches, but online lenders reach Bellwood on the same terms.
- Nearest smaller places: Birmingham (8 mi); Ashville (12 mi); Williamsburg (12 mi).
- Smaller places within 50 miles: 114 of them.
- Within 100 miles: 233 places are larger than Bellwood.
The Pennsylvania lending rules that reach Bellwood
Pennsylvania has no separate rate rule for Bellwood; the sourced rows below are what reach every lender that serves its 1,773 people.
| 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 |
| 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 personal loans work in Bellwood
In Bellwood, a small community of about 1,773, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Bellwood loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Bellwood loan but raises total interest, so the smallest payment is not the cheapest loan.
Bellwood: area, density and distance
Bellwood covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 3,725 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 173 miles. A 50-mile radius around Bellwood takes in 28 places that are larger. Within the same 50 miles lie 114 smaller Census places.
Bellwood in state context
Against Pennsylvania's other places, Bellwood accounts for about 0.0% of the state's population and ranks 458th of 1,013 by size. On the 2020-to-2023 trend, Bellwood stands 829th among Pennsylvania's 1,013 places — roughly the 18th percentile. At about 3,725 people per square mile, Bellwood is the 221st most densely settled place in Pennsylvania. In land area, Bellwood ranks 750th among Pennsylvania's 1,013 places.
What is available to Bellwood borrowers
At roughly 3,725 people per square mile, Bellwood is fairly dense; 28 larger places lie within 50 miles. Distance to a branch rarely matters for Bellwood's 1,773 residents: the application is online and the price follows your credit file. The nearest larger city, Tyrone, PA about 7 miles away.
Common questions
What are my options in Bellwood if my credit is poor?
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Does comparing loans in Bellwood cost me credit score points?
Nearby places
- Altoona, PA — population 42,788
- Tyrone, PA — population 5,328
- Birmingham, PA — population 87
- Hollidaysburg, PA — population 5,506
- Williamsburg, PA — population 1,198
- Duncansville, PA — population 1,216
- Ramey, PA — population 425
- Ashville, PA — population 209