Personal loans in Irvona, PA

Irvona is a small community in Pennsylvania, with an estimated 535 residents, and every licensed lender here follows the same state rulebook. Read the disclosure for an origination fee and any prepayment penalty before signing in Irvona. State law, not city hall, decides what a lender may do to Irvona's roughly 535 residents, and a state regulator supervises it. For a bigger market, look to Houtzdale, PA about 11 miles away.

Where Irvona stands

Set out below is Irvona's local context next to the state-level rules that reach every lender here.

• Population: a Census-estimated 535, 755th among Pennsylvania's 1,013 places (Vintage 2023).
• Population trend: A decline of about 2.6% across the 2020-to-2023 comparison.
• Absolute change: 14 residents lost between 2020 and 2023.
• Size percentile: about 25% of Pennsylvania communities are smaller than Irvona (535 residents).
• Density: roughly 576 residents per square mile, spread over 0.9 sq mi of land.
• Land area rank: Irvona's 0.9 square miles rank 478th of 1,013 places in Pennsylvania.
• Water: Irvona holds about 0.02 square miles, the 338th-largest water area in Pennsylvania.
• Share of state population: Irvona's 535 residents are about 0.0% of Pennsylvania.
• National rank: Irvona is 12,893rd of 19,457 places nationwide.
• Growth rank: Irvona's 2020-to-2023 change ranks 810th of 1,013 places in Pennsylvania.
• Versus Pennsylvania: the state average change is -0.9%, while Irvona moved 2.6%.
• Density rank: Irvona places 833rd among Pennsylvania's places by people per square mile.
• Density vs Pennsylvania: Irvona's 576 people per square mile compare with a state median of 1,990.
• Location: latitude 40.7738, longitude -78.5503 (Census Gazetteer).
• Nearest larger cities: Houtzdale (11 mi); Patton (11 mi); Hastings (11 mi); Curwensville (14 mi); Carrolltown (14 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities within reach: Coalport (2 mi); Glen Hope (4 mi); Westover (8 mi).
• Smaller places within 50 miles: 67 of them.
• At 100 miles: 415 larger Census places fall inside that radius.

Where Irvona sits

Irvona covers about 0.9 square miles of land, with 0.02 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 576 people per square mile. The largest place in Pennsylvania, Philadelphia, lies about 187 miles away. Irvona has 71 larger places within a 50-mile radius. Within the same 50 miles lie 67 smaller Census places.

How Pennsylvania law applies in Irvona

This table holds the Pennsylvania rate and licensing rules for consumer loans made to Irvona's 535 residents.

How a Irvona personal loan is priced

In Irvona, a small community of about 535, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Irvona. The term you choose in Irvona decides the split between a comfortable payment and the total interest you pay.

Irvona's place among Pennsylvania's 1,013 places

Irvona is the 755th-largest of 1,013 Census places in Pennsylvania and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Irvona stands 810th among Pennsylvania's 1,013 places — roughly the 20th percentile. Its roughly 576 residents per square mile place it 833rd among Pennsylvania's places. The population moved by about 14 people between 2020 and 2023, a 2.6% shift.

A practical checklist for Irvona borrowers

These steps shape the offer you get in Irvona, a place of about 535 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Price the payment first with our personal loan calculator before any lender quotes 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. Write down the purpose of the loan and your repayment plan before you apply.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

In Irvona as elsewhere in Pennsylvania, the written terms — not the advertisement — are what count for its 535 residents.