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.
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.
- Population: 2,817 people, a figure that places Harveys Lake 338th among the 1,013 Census places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: Higher by roughly 0.9% since the 2020 count.
- Net change: roughly 26 more people than the 2020 Census counted.
- Size percentile: with 2,817 residents, Harveys Lake is larger than about 67% of Pennsylvania's Census places.
- Population density: 522 people per square mile on 5.4 square miles of land.
- Land area: Harveys Lake covers 5.4 square miles, the 56th-largest area among Pennsylvania's 1,013 places.
- Water area: Harveys Lake has 1.02 square miles of water, ranking 6th of 1,013 places in Pennsylvania.
- Within Pennsylvania: about 0.1% of the state's population lives in Harveys Lake.
- National rank: Harveys Lake is 6,468th of 19,457 places nationwide.
- Growth rank: Harveys Lake's 2020-to-2023 change ranks 102nd of 1,013 places in Pennsylvania.
- Versus Pennsylvania: the state average change is -0.9%, while Harveys Lake moved 0.9%.
- Density rank: Harveys Lake places 854th among Pennsylvania's places by people per square mile.
- Density in context: Harveys Lake's 522 people per square mile sit against a Pennsylvania median of 1,990.
- Location: mapped by the US Census Bureau at 41.3647, -76.0447.
- Nearest larger cities: Larksville (9 mi); Swoyersville (10 mi); Plymouth (10 mi); Edwardsville (10 mi); Forty Fort (11 mi). Online lenders reach Harveys Lake no matter how far the nearest branch is.
- Smaller places close by: Dallas (4 mi); Courtdale (9 mi); Luzerne (9 mi).
- Within a 50-mile radius: 108 smaller Census places.
- Larger places within 100 miles: 253.
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.
| 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 |
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.
Common questions
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Nearby places
- Dallas, PA — population 2,691
- Larksville, PA — population 4,252
- Courtdale, PA — population 694
- Plymouth, PA — population 5,755
- Luzerne, PA — population 2,723
- Pringle, PA — population 899
- Nanticoke, PA — population 10,615
- Edwardsville, PA — population 4,932