Personal loans in Friendsville, PA

Friendsville counts about 99 people, and what is genuinely local about borrowing here is limited — Pennsylvania law does the governing. Read the disclosure for an origination fee and any prepayment penalty before signing in Friendsville.

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

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An estimated 99 people make their home in Friendsville, a figure that ranks 991st in Pennsylvania. Every figure below is Pennsylvania's own, applied to Friendsville's 99 residents, with the publisher and retrieval date attached. A 2020-to-2023 comparison shows Friendsville down by about 1.0%. The nearest larger city is Little Meadows, PA about 6 miles away.

Friendsville by the numbers

Only a few things actually differ by place — population, area, location, and the Pennsylvania rules a lender must follow — and they are below.

Population: about 99 people live here, which puts Friendsville 991st of 1,013 Census places in Pennsylvania (Vintage 2023).
Population trend: Roughly 1.0% fewer residents than the 2020 Census counted.
Net change: roughly 1 fewer people than the 2020 Census counted.
Size percentile: roughly 2% of Pennsylvania's places have fewer residents than Friendsville's 99.
Population density: about 66 people per square mile across 1.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
Land area: Friendsville covers 1.5 square miles, the 307th-largest area among Pennsylvania's 1,013 places.
Share of Pennsylvania: Friendsville holds about 0.0% of the state's population, some 99 people.
National standing: Friendsville ranks 18,139th of 19,457 US places.
Growth rank: Friendsville ranks 453rd among Pennsylvania's 1,013 places for the 2020-to-2023 change.
Versus Pennsylvania: the state average change is -0.9%, while Friendsville moved 1.0%.
Density rank: Friendsville places 996th among Pennsylvania's places by people per square mile.
Against the state median: Friendsville runs about 66 residents per square mile, where the Pennsylvania median is 1,990.
Location: it lies at 41.9179, -76.0477 in the Census Gazetteer.
Nearest larger cities: Little Meadows (6 mi); LeRaysville (9 mi); Montrose (11 mi); Endicott (12 mi); Binghamton (15 mi). Living near a larger metro rarely changes what is available in Friendsville.
Smaller places nearby: Centralia (78 mi); Mount Carbon (86 mi); Driftwood (114 mi).
Within a 50-mile radius: 0 smaller Census places.
Within 100 miles: 454 places are larger than Friendsville.

Friendsville against the rest of Pennsylvania

Among Pennsylvania's 1,013 places, Friendsville sits at 991st for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Friendsville ranks 453rd of 1,013 in Pennsylvania (about the 55th percentile). Its roughly 66 residents per square mile place it 996th among Pennsylvania's places. The population moved by about 1 people between 2020 and 2023, a 1.0% shift.

Getting a loan in Friendsville

At roughly 66 people per square mile, Friendsville is sparsely settled; 122 larger places lie within 50 miles. Distance to a branch rarely matters for Friendsville's 99 residents: the application is online and the price follows your credit file. The nearest larger city, Little Meadows, PA about 6 miles away.

The state rulebook for Friendsville

Below are the Pennsylvania rules that apply to a loan made in Friendsville, each with the regulator that issued it.

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

What shapes a Friendsville personal loan

A Friendsville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 99 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Friendsville. Because the payment is fixed, the total cost of a Friendsville loan is knowable in advance — unlike a revolving card balance.

What to do before borrowing in Friendsville

Before you apply in Friendsville, a community of about 99, work through these steps:

Start with the credit file: order the reports, fix the errors, then apply.
Test your amount and term in the personal loan calculator first.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Verify the lender's Pennsylvania licence with the regulator listed on this page.
Choose a term you can live with; stretching it lowers the payment but raises total interest.
Borrow only what the purpose requires, not the maximum you are offered.
Write down the purpose of the loan and your repayment plan before you apply.

What differs between Friendsville and the rest of Pennsylvania is not the process but the borrower's own file, among the 99 people here.

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Common questions

What are my options in Friendsville 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 Friendsville is the same as anywhere in Pennsylvania.

What loan size can I expect in Friendsville?

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 Friendsville?

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 Friendsville 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.

Nearby places

Little Meadows, PA — population 241
LeRaysville, PA — population 289
Endicott, NY — population 13,211
Montrose, PA — population 1,279
Johnson City, NY — population 14,874
Binghamton, NY — population 46,727
Port Dickinson, NY — population 1,669
Owego, NY — population 4,096