Personal loans in Johnstown, PA

Two households in Johnstown with comparable incomes can still be offered different rates; the city's 17,950 residents are not the reason. Johnstown is home to roughly 17,950 people and stands 33rd by size out of 1,013 Census places in Pennsylvania. The 2020 count to the 2023 estimate shows about 2.5% decline in Johnstown. Compare APR, not the interest rate, because the APR folds in most fees on a Johnstown loan. The next larger city is Altoona, PA about 30 miles away.

Local context for Johnstown

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

• Population: 17,950 people, a figure that places Johnstown 33rd among the 1,013 Census places in Pennsylvania (US Census Bureau, Vintage 2023).
• Population trend: Lower by roughly 2.5% since the 2020 count.
• Net change: roughly 464 fewer people than the 2020 Census counted.
• Size percentile: bigger than about 97% of the places in Pennsylvania, with 17,950 residents in Johnstown.
• Density: roughly 3,036 residents per square mile, spread over 5.9 sq mi of land.
• Land area: Johnstown covers 5.9 square miles, the 49th-largest area among Pennsylvania's 1,013 places.
• Water area: Johnstown has 0.20 square miles of water, ranking 61st of 1,013 places in Pennsylvania.
• State share: roughly 0.3% of Pennsylvania's residents live in Johnstown (17,950 people).
• National rank: Johnstown is 2,070th of 19,457 places nationwide.
• Growth rank: Johnstown ranks 790th among Pennsylvania's 1,013 places for the 2020-to-2023 change.
• State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Johnstown's 2.5%.
• Density rank: Johnstown places 316th among Pennsylvania's places by people per square mile.
• Density in context: Johnstown's 3,036 people per square mile sit against a Pennsylvania median of 1,990.
• Location: 40.3261, -78.9191 (US Census Bureau Gazetteer).
• Nearest larger cities: Altoona (30 mi); Murrysville (40 mi); Monroeville (45 mi); Plum (45 mi); Cumberland (47 mi). Larger metros often have more branches, but online lenders reach Johnstown on the same terms.
• Nearest smaller towns: Daisytown (1 mi); Brownstown (1 mi); Dale (1 mi) — useful context for the surrounding area.
• Smaller neighbours: 212 places smaller than Johnstown sit within 50 miles.
• Larger places within 100 miles: 21.

What a Johnstown borrower is actually offered

With roughly 17,950 residents, Johnstown is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Johnstown. Because the payment is fixed, the total cost of a Johnstown loan is knowable in advance — unlike a revolving card balance.

Johnstown: area, density and distance

Inside Johnstown's boundaries lie roughly 5.9 square miles of land and 0.20 square miles of water. That land carries about 3,036 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 201 miles. A 50-mile radius around Johnstown takes in 5 places that are larger. The 100-mile radius contains 21 larger places.

What is available to Johnstown borrowers

At roughly 3,036 people per square mile, Johnstown is fairly dense; 5 larger places lie within 50 miles. Distance to a branch rarely matters for Johnstown's 17,950 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Altoona, PA about 30 miles away.

What Pennsylvania law requires in Johnstown

This table holds the Pennsylvania rate and licensing rules for consumer loans made to Johnstown's 17,950 residents.

Johnstown in state context

Against Pennsylvania's other places, Johnstown accounts for about 0.3% of the state's population and ranks 33rd of 1,013 by size. For population change between 2020 and 2023, Johnstown ranks 790th of 1,013 in Pennsylvania (about the 22th percentile). Its roughly 3,036 residents per square mile place it 316th among Pennsylvania's places. In land area, Johnstown ranks 49th among Pennsylvania's 1,013 places.