Personal loans in Central City, PA
In Central City, one of 1,013 Census places in Pennsylvania, the figure to compare across lenders is the APR, not the advertised rate.
Decide the purpose of the loan and your repayment plan before sharing any details with a Central City lender. Central City is one of 1,013 Census places in Pennsylvania; its 972 residents put it at 603rd. State law, not city hall, decides what a lender may do to Central City's roughly 972 residents, and a state regulator supervises it. Census figures put the 2020-to-2023 decrease in Central City at about 2.7%. The closest larger city is Windber, PA about 9 miles away.
The Central City data picture
Central City is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: a Census-estimated 972, 603rd among Pennsylvania's 1,013 places (Vintage 2023).
- Population trend: Lower by roughly 2.7% since the 2020 count.
- People gained or lost: about 27 fewer since the 2020 base.
- Size percentile: about 40% of Pennsylvania communities are smaller than Central City (972 residents).
- Population density: about 1,800 people per square mile across 0.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Central City covers 0.5 square miles, the 700th-largest area among Pennsylvania's 1,013 places.
- Share of Pennsylvania: Central City holds about 0.0% of the state's population, some 972 people.
- Nationally: Central City is the 10,335th-largest of 19,457 Census places in the dataset.
- Growth rank: Central City's 2020-to-2023 change ranks 851st of 1,013 places in Pennsylvania.
- Versus Pennsylvania: the state average change is -0.9%, while Central City moved 2.7%.
- Density rank: Central City places 550th among Pennsylvania's places by people per square mile.
- Density in context: Central City's 1,800 people per square mile sit against a Pennsylvania median of 1,990.
- Location: 40.1096, -78.8043 (Census Gazetteer coordinates).
- Nearest larger cities: Windber (9 mi); Boswell (12 mi); Geistown (13 mi); Ferndale (14 mi); Berlin (15 mi). Living near a larger metro rarely changes what is available in Central City.
- Nearest smaller places: Indian Lake (6 mi); Hooversville (6 mi); Stoystown (8 mi).
- Within a 50-mile radius: 107 smaller Census places.
- Larger places within 100 miles: 323.
How personal loans work in Central City
In Central City, a small community of about 972, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Central City. A longer term lowers the monthly payment on a Central City loan but raises total interest, so the smallest payment is not the cheapest loan.
How lenders reach Central City
Central City is a moderately settled community of about 972 people, with 60 larger places inside a 50-mile radius. Distance to a branch rarely matters for Central City's 972 residents: the application is online and the price follows your credit file. The nearest larger city, Windber, PA about 9 miles away.
Central City in state context
Against Pennsylvania's other places, Central City accounts for about 0.0% of the state's population and ranks 603rd of 1,013 by size. Its 2020-to-2023 change ranks 851st of 1,013 Pennsylvania places, putting it near the 16th percentile for growth. At about 1,800 people per square mile, Central City is the 550th most densely settled place in Pennsylvania. In land area, Central City ranks 700th among Pennsylvania's 1,013 places.
How Pennsylvania law applies in Central City
For the roughly 972 residents of Central City, the rules below are Pennsylvania's own; each row carries its publisher and retrieval date.
| 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 |
| 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 |
| 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 |
Where Central City sits
Central City's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. With 972 residents, the land area yields roughly 1,800 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 194 miles away. Counting outward 50 miles, 60 larger communities surround Central City. Within the same 50 miles lie 107 smaller Census places.
Common questions
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Nearby places
- Indian Lake, PA — population 389
- Hooversville, PA — population 610
- Windber, PA — population 3,835
- New Baltimore, PA — population 134
- Shanksville, PA — population 192
- Paint, PA — population 886
- Scalp Level, PA — population 728
- Stoystown, PA — population 292