Personal loans in Grove City, PA
A personal loan in Grove City is priced from your credit file and income, not from the fact that the city holds 7,779 people.
For the 7,779 people in Grove City, Pennsylvania runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The Census estimates 7,779 residents in Grove City, which ranks it 108th of 1,013 places in Pennsylvania. Begin with the payment, then weigh APR and total interest across the lenders that reach Grove City's 7,779 residents. The 2020 count to the 2023 estimate shows about 1.3% decline in Grove City. For a bigger market, look to New Castle, PA about 17 miles away.
What the Census records for Grove City
Most of what governs a Grove City loan is written in Pennsylvania law rather than in the city; the sourced notes below make that split concrete.
- Population: 7,779 — Grove City ranks 108th of 1,013 communities in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: A loss of roughly 1.3% between 2020 and 2023.
- Absolute change: 102 residents lost between 2020 and 2023.
- Size percentile: Grove City's 7,779 people outrank roughly 89% of the places in Pennsylvania.
- Density: the Census land area of 2.7 sq mi holds about 2,885 people per square mile.
- Land area rank: Grove City's 2.7 square miles rank 143rd of 1,013 places in Pennsylvania.
- State share: roughly 0.1% of Pennsylvania's residents live in Grove City (7,779 people).
- National standing: Grove City ranks 3,740th of 19,457 US places.
- Growth in Pennsylvania: Grove City stands 505th by percentage change from 2020 to 2023, among 1,013 places.
- Against the state trend: Grove City's 1.3% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density rank: Grove City places 339th among Pennsylvania's places by people per square mile.
- Against the state median: Grove City runs about 2,885 residents per square mile, where the Pennsylvania median is 1,990.
- Location: 41.1571, -80.0886 (Census Gazetteer coordinates).
- Nearest larger cities: New Castle (17 mi); Hermitage (19 mi); Sharon (22 mi); Butler (23 mi); Struthers (27 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities close by: Harrisville (4 mi); Barkeyville (6 mi); Slippery Rock (6 mi), each with its own Census population profile.
- Smaller neighbours: 193 places smaller than Grove City sit within 50 miles.
- Larger places within 100 miles: 128.
Grove City on the map
Grove City's land area is roughly 2.7 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 2,885 people per square mile. Philadelphia, the largest place in Pennsylvania, is about 272 miles from Grove City. Within 50 miles of Grove City there are 22 larger Census places. The 100-mile radius contains 128 larger places.
The Pennsylvania lending rules that reach Grove City
When Pennsylvania does not publish a figure, the row links to the source instead of inventing a number; Grove City is bound by the same rules.
| 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 |
Inside a Grove City personal loan
A Grove City personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 7,779 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Grove City. Shortening the term on a Grove City loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Getting a loan in Grove City
At roughly 2,885 people per square mile, Grove City is fairly dense; 22 larger places lie within 50 miles. Distance to a branch rarely matters for Grove City's 7,779 residents: the application is online and the price follows your credit file. The nearest larger city, New Castle, PA about 17 miles away.
Grove City's place among Pennsylvania's 1,013 places
Among Pennsylvania's 1,013 places, Grove City sits at 108th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Grove City stands 505th among Pennsylvania's 1,013 places — roughly the 50th percentile. At about 2,885 people per square mile, Grove City is the 339th most densely settled place in Pennsylvania. The population moved by about 102 people between 2020 and 2023, a 1.3% shift.
Common questions
What are my options in Grove City if my credit is poor?
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Nearby places
- Harrisville, PA — population 800
- Slippery Rock, PA — population 3,579
- Barkeyville, PA — population 185
- Jackson Center, PA — population 187
- West Liberty, PA — population 323
- Mercer, PA — population 1,933
- Stoneboro, PA — population 931
- Volant, PA — population 122