Personal loans in Charleroi, PA

State law, not city hall, decides what a lender may do to Charleroi's roughly 4,174 residents, and a state regulator supervises it. About 4,174 people live in Charleroi, placing it 239th of 1,013 Census places in Pennsylvania. For a community of about 4,174, the practical step is to compare APR across at least three lenders before committing. From the 2020 Census base to the 2023 estimate, the population declined by about 1.5%. The closest larger place is Monessen, PA about 1 miles away.

Charleroi by the numbers

Most of what governs a Charleroi loan is written in Pennsylvania law rather than in the city; the sourced notes below make that split concrete.

• Population: about 4,174 people live here, which puts Charleroi 239th of 1,013 Census places in Pennsylvania (Vintage 2023).
• Population trend: A drop of about 1.5% from 2020 to 2023.
• People gained or lost: about 65 fewer since the 2020 base.
• Size percentile: Charleroi sits ahead of around 76% of Pennsylvania places, at 4,174 people.
• Land and density: 0.8 square miles of land carry roughly 5,478 residents per square mile.
• By land area: Charleroi ranks 569th among Pennsylvania's 1,013 places, at 0.8 sq mi.
• Water area rank: Charleroi ranks 126th among Pennsylvania's 1,013 places, with 0.10 sq mi.
• Within Pennsylvania: about 0.1% of the state's population lives in Charleroi.
• National rank: Charleroi sits 5,343rd by population among the 19,457 places in this dataset.
• Growth rank: Charleroi ranks 553rd among Pennsylvania's 1,013 places for the 2020-to-2023 change.
• State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Charleroi's 1.5%.
• Density rank: Charleroi is the 90th most densely settled place in Pennsylvania.
• Against the state median: Charleroi runs about 5,478 residents per square mile, where the Pennsylvania median is 1,990.
• Location: 40.1379, -79.8998 (Census Gazetteer coordinates).
• Nearest larger cities: Monessen (1 mi); Donora (3 mi); California (5 mi); Clairton (11 mi); Jefferson Hills (11 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: North Charleroi (1 mi); Speers (1 mi); Twilight (2 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 237 of them.
• Within 100 miles: 123 places are larger than Charleroi.

How Charleroi compares across Pennsylvania

Against Pennsylvania's other places, Charleroi accounts for about 0.1% of the state's population and ranks 239th of 1,013 by size. Its 2020-to-2023 change ranks 553rd of 1,013 Pennsylvania places, putting it near the 45th percentile for growth. Its roughly 5,478 residents per square mile place it 90th among Pennsylvania's places. By land area, its 0.8 square miles rank 569th of 1,013 places in Pennsylvania.

Borrowing reach in Charleroi

Charleroi is a densely built community of about 4,174 people, with 68 larger places inside a 50-mile radius. What is available to Charleroi's 4,174 borrowers is set by Pennsylvania licensing and your own credit, not by how many branches are nearby. The nearest larger city, Monessen, PA about 1 miles away.

Charleroi: area, density and distance

Charleroi's land area is about 0.8 square miles; a further 0.10 square miles is water. Spread across it are roughly 5,478 residents per square mile. The state's population centre of gravity, Philadelphia, is roughly 252 miles away. Within 50 miles of Charleroi there are 68 larger Census places. The 100-mile radius contains 123 larger places.

What to do before borrowing in Charleroi

Before you hand your details to a lender in Charleroi, where the population is near 4,174:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Test your amount and term in the personal loan calculator first.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the lender holds a Pennsylvania licence by checking the regulator named above.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Make sure the new payment leaves room in a budget you already keep.
7. Pick the shortest term whose payment you can comfortably afford.

None of these steps is Charleroi-specific: the same Pennsylvania licensing and disclosure rules reach all 4,174 residents.

Which Pennsylvania laws govern a loan in Charleroi

Pennsylvania has no separate rate rule for Charleroi; the sourced rows below are what reach every lender that serves its 4,174 people.