Personal loans in Gratz, PA

By population, Gratz sits at 670th in Pennsylvania, with an estimated 733 residents. A larger market lies at Lykens, PA about 3 miles away. Consumer lending that reaches Gratz's 733 residents is governed by Pennsylvania statute; no city ordinance changes it. Begin with the payment, then weigh APR and total interest across the lenders that reach Gratz's 733 residents.

Gratz by the numbers

Here is the sourced Census picture for Gratz, plus the Pennsylvania lending rules that apply to a loan taken out here.

• Population: about 733, ranked 670th of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
• Population trend: About 1.1% below the 2020 Census base.
• Net change: roughly 8 fewer people than the 2020 Census counted.
• Size percentile: bigger than about 34% of the places in Pennsylvania, with 733 residents in Gratz.
• Land and density: 2.9 square miles of land carry roughly 249 residents per square mile.
• Land area rank: Gratz's 2.9 square miles rank 128th of 1,013 places in Pennsylvania.
• State population share: Gratz accounts for about 0.0% of everyone in Pennsylvania.
• National standing: Gratz ranks 11,580th of 19,457 US places.
• Growth in Pennsylvania: Gratz stands 469th by percentage change from 2020 to 2023, among 1,013 places.
• State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Gratz's 1.1%.
• Density rank: Gratz is the 937th most densely settled place in Pennsylvania.
• Density in context: Gratz's 249 people per square mile sit against a Pennsylvania median of 1,990.
• Location: 40.6073, -76.7157 (US Census Bureau Gazetteer).
• Nearest larger cities: Lykens (3 mi); Williamstown (5 mi); Elizabethville (7 mi); Tower City (9 mi); Millersburg (13 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller places: Berrysburg (5 mi); Pillow (5 mi); Herndon (10 mi).
• Smaller places within 50 miles: 44 of them.
• Larger places within 100 miles: 471.

Where Gratz sits in Pennsylvania

Gratz is the 670th-largest of 1,013 Census places in Pennsylvania and contains about 0.0% of the state's people. For population change between 2020 and 2023, Gratz ranks 469th of 1,013 in Pennsylvania (about the 54th percentile). Its roughly 249 residents per square mile place it 937th among Pennsylvania's places. The population moved by about 8 people between 2020 and 2023, a 1.1% shift.

Inside a Gratz personal loan

In Gratz, a small community of about 733, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Gratz loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Gratz loan is knowable in advance — unlike a revolving card balance.

A pre-application checklist for Gratz

Complete these steps first when you borrow in Gratz (733 residents):

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Model the payment on the calculator before a lender models it for you.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the lender holds a Pennsylvania licence by checking the regulator named above.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Make sure the new payment leaves room in a budget you already keep.

In Gratz as elsewhere in Pennsylvania, the written terms — not the advertisement — are what count for its 733 residents.

Land, water and location for Gratz

Inside Gratz's boundaries lie about 2.9 square miles of land, with no significant water area recorded. That land carries about 249 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 93 miles. Within 50 miles of Gratz there are 149 larger Census places. The 100-mile radius contains 471 larger places.

How Pennsylvania law applies in Gratz

Read the table as a lender's compliance picture for Gratz: the rule, the sourced figure, the publisher and the date.