Personal loans in Homewood, PA
For a borrower among the roughly 89 residents of Homewood, a personal loan is a tool whose cost turns on the terms, not the address. A lender that serves Homewood operates under Pennsylvania lending statutes and a Pennsylvania supervisor.
The Census estimates 89 residents in Homewood, which ranks it 994th of 1,013 places in Pennsylvania. Begin with the payment, then weigh APR and total interest across the lenders that reach Homewood's 89 residents. Census figures put the 2020-to-2023 decrease in Homewood at about 2.2%. The nearest larger city is Big Beaver, PA about 2 miles away.
Where Homewood stands
Only a few things actually differ by place — population, area, location, and the Pennsylvania rules a lender must follow — and they are below.
- Population: an estimated 89 residents, 994th of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
- Population trend: A decline of about 2.2% across the 2020-to-2023 comparison.
- Change in people: the 2020-to-2023 comparison is a loss of about 2 residents.
- Size percentile: roughly 2% of Pennsylvania places rank below Homewood.
- Population density: about 527 people per square mile (Census land area 0.2 sq mi).
- Land area rank: Homewood's 0.2 square miles rank 953rd of 1,013 places in Pennsylvania.
- Share of Pennsylvania: Homewood holds about 0.0% of the state's population, some 89 people.
- National rank: Homewood sits 18,322nd by population among the 19,457 places in this dataset.
- Growth rank: Homewood ranks 705th among Pennsylvania's 1,013 places for the 2020-to-2023 change.
- Against the state trend: Homewood's 2.2% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density rank: Homewood places 853rd among Pennsylvania's places by people per square mile.
- Against the state median: Homewood runs about 527 residents per square mile, where the Pennsylvania median is 1,990.
- Location: latitude 40.8133, longitude -80.3294 (Census Gazetteer).
- Nearest larger cities: Big Beaver (2 mi); Koppel (2 mi); West Mayfield (2 mi); Eastvale (3 mi); Beaver Falls (4 mi). Online lenders reach Homewood no matter how far the nearest branch is.
- Smaller towns nearby: S.N.P.J. (12 mi); Glasgow (15 mi); Haysville (22 mi).
- Smaller places within 50 miles: 6 of them.
- Within 100 miles: 786 places are larger than Homewood.
Homewood on the map
The Census Gazetteer records about 0.2 square miles of land within Homewood, with no significant water area listed. That land carries about 527 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 279 miles away. A 50-mile radius around Homewood takes in 287 places that are larger. By land area it ranks 953rd of 1,013 Pennsylvania places.
Before you apply in Homewood
A sensible order of operations for a loan in Homewood, home to about 89 people:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Use the loan calculator to test the payment on your intended amount and term.
- Line up several pre-qualified offers and let the APR decide.
- Check the Pennsylvania regulator's records to confirm the lender is licensed here.
- Weigh a shorter term's higher payment against the interest it saves.
- Keep the amount to the expense; an approval is not a reason to take more.
- Be clear on what the loan is for and how it gets repaid.
What differs between Homewood and the rest of Pennsylvania is not the process but the borrower's own file, among the 89 people here.
How lenders reach Homewood
Homewood is a moderately settled community of about 89 people, with 287 larger places inside a 50-mile radius. A Pennsylvania licence lets a lender serve Homewood without a local office, so branch density does not change what its 89 residents are offered. The nearest bigger place is Big Beaver, PA about 2 miles away.
How Homewood compares across Pennsylvania
Set beside Pennsylvania's 1,013 places, Homewood ranks 994th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Homewood ranks 705th of 1,013 in Pennsylvania (about the 30th percentile). Its roughly 527 residents per square mile place it 853rd among Pennsylvania's places. In land area, Homewood ranks 953rd among Pennsylvania's 1,013 places.
The state rulebook for Homewood
Every row below records a Pennsylvania rule, its publisher and its retrieval date — the same rules a Homewood lender must follow.
| 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 |
| 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 |
| 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 |
Common questions
What are my options in Homewood if my credit is poor?
What loan size can I expect in Homewood?
Do I have to pledge anything to borrow in Homewood?
Does comparing loans in Homewood cost me credit score points?
Nearby places
- Koppel, PA — population 696
- Big Beaver, PA — population 1,837
- West Mayfield, PA — population 1,168
- Eastvale, PA — population 177
- Beaver Falls, PA — population 8,777
- Ellwood City, PA — population 7,454
- Wampum, PA — population 546
- New Galilee, PA — population 318