Personal loans in Broad Top City, PA

Broad Top City ranks 835th of 1,013 places in Pennsylvania, with a population near 360.

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

Compare loan offers Run the numbers first

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.

Broad Top City, Pennsylvania — home to about 360 people — is a small community, so the terms you are offered follow Pennsylvania law rather than any local rule. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Broad Top City loan. Lenders active in Broad Top City report to a Pennsylvania supervisor, identified in the sourced rows below. Population in Broad Top City dropped about 2.2% over the three years from 2020 to 2023. The closest larger place is Saxton, PA about 6 miles away.

Broad Top City by the numbers

Read the local figures below as context; read the sourced Pennsylvania table as the rulebook a lender here must follow.

Broad Top City in state context

Among Pennsylvania's 1,013 places, Broad Top City sits at 835th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 695th of 1,013 Pennsylvania places, putting it near the 31th percentile for growth. At about 532 people per square mile, Broad Top City is the 851st most densely settled place in Pennsylvania. By land area, its 0.7 square miles rank 609th of 1,013 places in Pennsylvania.

A practical checklist for Broad Top City borrowers

Before you hand your details to a lender in Broad Top City, where the population is near 360:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Check the Pennsylvania regulator's records to confirm the lender is licensed here.
  5. Make sure the new payment leaves room in a budget you already keep.
  6. Pick the shortest term whose payment you can comfortably afford.
  7. Borrow only what the purpose requires, not the maximum you are offered.

The process is identical across Pennsylvania; what changes is your credit file, not the fact that Broad Top City holds 360 people.

Broad Top City on the map

The Census Gazetteer records about 0.7 square miles of land within Broad Top City, with no significant water area listed. Spread across it are roughly 532 residents per square mile. The largest place in Pennsylvania, Philadelphia, lies about 159 miles away. Counting outward 50 miles, 91 larger communities surround Broad Top City. By land area it ranks 609th of 1,013 Pennsylvania places.

How a Broad Top City personal loan is priced

Most loans made to Broad Top City's 360 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Broad Top City. Because the payment is fixed, the total cost of a Broad Top City loan is knowable in advance — unlike a revolving card balance.

The Pennsylvania lending rules that reach Broad Top City

This table holds the Pennsylvania rate and licensing rules for consumer loans made to Broad Top City's 360 residents.

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
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
Compare personal loan offers Run the numbers first

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 Broad Top City 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 Broad Top City is the same as anywhere in Pennsylvania.
What loan size can I expect in Broad Top City?
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 Broad Top City?
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 Broad Top City 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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