Personal loans in Blakely, PA

The trend for Blakely between 2020 and 2023 is downward by roughly 0.1%. About 6,653 people live in Blakely, placing it 129th of 1,013 Census places in Pennsylvania.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Blakely is a small town of about 6,653 residents, and a personal loan taken out here is governed by Pennsylvania statute. Begin with the payment, then weigh APR and total interest across the lenders that reach Blakely's 6,653 residents. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Blakely's 6,653 residents. The closest larger place is Archbald, PA about 3 miles away.

Blakely by the numbers

What follows is Blakely's place in the Census record, alongside the Pennsylvania rules that govern a personal loan made here.

How Blakely compares across Pennsylvania

Within Pennsylvania, Blakely holds roughly 0.1% of all residents, the 129th-largest share among 1,013 places. Its 2020-to-2023 change ranks 262nd of 1,013 Pennsylvania places, putting it near the 74th percentile for growth. At about 1,745 people per square mile, Blakely is the 563rd most densely settled place in Pennsylvania. By land area, its 3.8 square miles rank 92nd of 1,013 places in Pennsylvania.

What Pennsylvania law requires in Blakely

These are Pennsylvania's sourced lending facts as they reach Blakely's 6,653 residents; the state has no city-level rate rule.

RuleDetailSource
State lending regulatorPennsylvania 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
Payday lending statusNo 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 licensingConsumer 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

What to do before borrowing in Blakely

For Blakely's roughly 6,653 residents, these are the steps that most influence the offer:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Check the Pennsylvania regulator's records to confirm the lender is licensed here.
  5. Keep the amount to the expense; an approval is not a reason to take more.
  6. Decide the purpose and how you will repay it before approaching any lender.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

In Blakely as elsewhere in Pennsylvania, the written terms — not the advertisement — are what count for its 6,653 residents.

Blakely on the map

Inside Blakely's boundaries lie about 3.8 square miles of land, with no significant water area recorded. Spread across it are roughly 1,745 residents per square mile. Philadelphia, the largest place in Pennsylvania, is about 105 miles from Blakely. A 50-mile radius around Blakely takes in 17 places that are larger. By land area it ranks 92nd of 1,013 Pennsylvania places.

How lenders reach Blakely

Blakely is a moderately settled community of about 6,653 people, with 17 larger places inside a 50-mile radius. Lenders licensed in Pennsylvania reach Blakely's 6,653 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Archbald, PA about 3 miles away.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Blakely if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Blakely is the same as anywhere in Pennsylvania.
What loan size can I expect in Blakely?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Blakely?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Blakely cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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