Personal loans in Coal Center, PA

With 110 residents, Coal Center outranks about 3% of the communities in Pennsylvania. Census figures show Coal Center holding steady across 2020 to 2023.

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.

The roughly 110 people who live in Coal Center borrow under Pennsylvania rules; city hall sets no personal-loan rate. When Pennsylvania caps or restricts a product, lenders either change the terms or withdraw it from Coal Center as from the rest of the state. Begin with the payment, then weigh APR and total interest across the lenders that reach Coal Center's 110 residents. A larger market lies at Newell, PA about 1 miles away.

Coal Center by the numbers

Set out below is Coal Center's local context next to the state-level rules that reach every lender here.

Coal Center: area, density and distance

Inside Coal Center's boundaries lie roughly 0.1 square miles of land and 0.02 square miles of water. That land carries about 965 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 252 miles away. A 50-mile radius around Coal Center takes in 285 places that are larger. The 100-mile radius contains 666 larger places.

What shapes a Coal Center personal loan

A Coal Center personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 110 residents. A lender serving Coal Center's 110 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Coal Center loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Lender access in Coal Center

Coal Center is a moderately settled community of about 110 people, with 285 larger places inside a 50-mile radius. What is available to Coal Center's 110 borrowers is set by Pennsylvania licensing and your own credit, not by how many branches are nearby. The nearest larger city, Newell, PA about 1 miles away.

Where Coal Center sits in Pennsylvania

Set beside Pennsylvania's 1,013 places, Coal Center ranks 983rd by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 239th of 1,013 Pennsylvania places, putting it near the 76th percentile for growth. At about 965 people per square mile, Coal Center is the 741st most densely settled place in Pennsylvania. Within 50 miles sit 7 smaller Census places, alongside the 285 that are larger.

Pennsylvania rules behind a Coal Center personal loan

Pennsylvania has no separate rate rule for Coal Center; the sourced rows below are what reach every lender that serves its 110 people.

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

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 Coal Center 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 Coal Center is the same as anywhere in Pennsylvania.
What loan size can I expect in Coal Center?
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 Coal Center?
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 Coal Center 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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