Personal loans in Galeton, PA
In Galeton, one of 1,013 Census places in Pennsylvania, the figure to compare across lenders is the APR, not the advertised rate.
Every figure below is Pennsylvania's own, applied to Galeton's 959 residents, with the publisher and retrieval date attached. Roughly 959 residents live in Galeton, the 608th-largest community in Pennsylvania. Price two or three terms so you can see which payment is truly affordable in Galeton. Galeton shed about 2.8% of its population between the 2020 base and the 2023 estimate. A larger market lies at Westfield, PA about 14 miles away.
Local context for Galeton
The figures below are Galeton's own — Census population, land area and coordinates — followed by the Pennsylvania rules.
- Population: a Census-estimated 959, 608th among Pennsylvania's 1,013 places (Vintage 2023).
- Population trend: A loss of roughly 2.8% between 2020 and 2023.
- Absolute change: 28 residents lost between 2020 and 2023.
- Size percentile: Galeton's 959 people outrank roughly 40% of the places in Pennsylvania.
- Density: roughly 755 residents per square mile, spread over 1.3 sq mi of land.
- By land area: Galeton ranks 356th among Pennsylvania's 1,013 places, at 1.3 sq mi.
- Water: Galeton holds about 0.02 square miles, the 323rd-largest water area in Pennsylvania.
- Share of Pennsylvania: Galeton holds about 0.0% of the state's population, some 959 people.
- National rank: Galeton is 10,402nd of 19,457 places nationwide.
- Growth rank: Galeton's 2020-to-2023 change ranks 870th of 1,013 places in Pennsylvania.
- Against the state trend: Galeton's 2.8% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density rank: Galeton places 786th among Pennsylvania's places by people per square mile.
- Density in context: Galeton's 755 people per square mile sit against a Pennsylvania median of 1,990.
- Location: it lies at 41.7343, -77.6435 in the Census Gazetteer.
- Nearest larger cities: Westfield (14 mi); Wellsboro (18 mi); Coudersport (19 mi); Elkland (24 mi); Renovo (29 mi). Online lenders reach Galeton no matter how far the nearest branch is.
- Smaller communities close by: Ulysses (13 mi); Knoxville (19 mi); Oswayo (23 mi), each with its own Census population profile.
- Within a 50-mile radius: 27 smaller Census places.
- At 100 miles: 224 larger Census places fall inside that radius.
Pennsylvania rules behind a Galeton personal loan
Pennsylvania has no separate rate rule for Galeton; the sourced rows below are what reach every lender that serves its 959 people.
| 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 |
| 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 |
| Payday lending status | No separate payday-lending license; non-bank lenders are limited to 6% (unlicensed) or up to 24% (CDCA-licensed), so high-cost payday loans are not permitted. Source says: "if a lender is licensed by the Department in accord with the CDCA, it can charge between 6-24% on loans under $25,000" (DoBS interpretive letter, May 11, 2023). | Pennsylvania Department of Banking and Securities as of 2026-09-16 |
Galeton on the map
Galeton's land area is about 1.3 square miles; a further 0.02 square miles is water. Spread across it are roughly 755 residents per square mile. The state's population centre of gravity, Philadelphia, is roughly 177 miles away. Galeton has 36 larger places within a 50-mile radius. The 100-mile radius contains 224 larger places.
Borrowing reach in Galeton
Galeton is a moderately settled community of about 959 people, with 36 larger places inside a 50-mile radius. Whether Galeton has a local branch or not, a Pennsylvania-licensed lender can serve its 959 people online on the same terms. For a larger market, the closest option is Westfield, PA about 14 miles away.
What a Galeton borrower is actually offered
A Galeton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 959 residents. Federal Truth in Lending rules require a Galeton lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Galeton loan is knowable in advance — unlike a revolving card balance.
Galeton's place among Pennsylvania's 1,013 places
Set beside Pennsylvania's 1,013 places, Galeton ranks 608th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Galeton stands 870th among Pennsylvania's 1,013 places — roughly the 14th percentile. Its roughly 755 residents per square mile place it 786th among Pennsylvania's places. In land area, Galeton ranks 356th among Pennsylvania's 1,013 places.
Common questions
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Nearby places
- Ulysses, PA — population 589
- Westfield, PA — population 1,097
- Knoxville, PA — population 671
- Wellsboro, PA — population 3,427
- Coudersport, PA — population 2,314
- Elkland, PA — population 1,791
- Oswayo, PA — population 130
- South Renovo, PA — population 402