Personal loans in Harveys Lake, PA

For the 2,817 people in Harveys Lake, Pennsylvania runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.

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.

A lender serving Harveys Lake holds a Pennsylvania licence and answers to a Pennsylvania regulator; no city office is involved for its 2,817 residents. With an estimated 2,817 residents, Harveys Lake is the 338th-largest of 1,013 places in Pennsylvania. From the 2020 Census base to the 2023 estimate, the population rose by about 0.9%. Pull your credit reports and line up at least three offers before you apply from Harveys Lake. The nearest larger metro is Larksville, PA about 9 miles away.

Harveys Lake: population, trend and location

The figures below are Harveys Lake's own — Census population, land area and coordinates — followed by the Pennsylvania rules.

The Pennsylvania lending rules that reach Harveys Lake

These are Pennsylvania's sourced lending facts as they reach Harveys Lake's 2,817 residents; the state has no city-level rate rule.

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
Small-loan / installment lender licensingConsumer 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

Lender access in Harveys Lake

Harveys Lake is moderately settled, with about 522 people per square mile and 54 larger places within 50 miles. Whether Harveys Lake has a local branch or not, a Pennsylvania-licensed lender can serve its 2,817 people online on the same terms. For a larger market, the closest option is Larksville, PA about 9 miles away.

Where Harveys Lake sits in Pennsylvania

Within Pennsylvania, Harveys Lake holds roughly 0.1% of all residents, the 338th-largest share among 1,013 places. For population change between 2020 and 2023, Harveys Lake ranks 102nd of 1,013 in Pennsylvania (about the 90th percentile). Its roughly 522 residents per square mile place it 854th among Pennsylvania's places. Within 50 miles sit 108 smaller Census places, alongside the 54 that are larger.

Inside a Harveys Lake personal loan

Harveys Lake is a small community of about 2,817 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Harveys Lake 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 Harveys Lake loan is knowable in advance — unlike a revolving card balance.

Harveys Lake on the map

The Census Gazetteer records 5.4 square miles of land and 1.02 square miles of water within Harveys Lake. With 2,817 residents, the land area yields roughly 522 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 105 miles away. Harveys Lake has 54 larger places within a 50-mile radius. By land area it ranks 56th of 1,013 Pennsylvania places.

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 Harveys Lake 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 Harveys Lake is the same as anywhere in Pennsylvania.
What loan size can I expect in Harveys Lake?
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 Harveys Lake?
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 Harveys Lake 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

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