Personal loans in Modena, PA

The Census estimates 543 residents in Modena, which ranks it 751st of 1,013 places in Pennsylvania. Verify the lender's Pennsylvania licence against the regulator named below before borrowing in Modena. A single loan can carry different costs on either side of a state line, and Modena sits on the Pennsylvania side of that line. The nearest larger metro is South Coatesville, PA about 1 miles away.

Borrowing in Modena: the local picture

Most of what governs a Modena loan is written in Pennsylvania law rather than in the city; the sourced notes below make that split concrete.

• Population: 543 — Modena ranks 751st of 1,013 communities in Pennsylvania (US Census Bureau, Vintage 2023).
• Population trend: Steady across the 2020-to-2023 comparison.
• Size percentile: about 26% of Pennsylvania communities are smaller than Modena (543 residents).
• Population density: about 1,578 people per square mile (Census land area 0.3 sq mi).
• By land area: Modena ranks 845th among Pennsylvania's 1,013 places, at 0.3 sq mi.
• Within Pennsylvania: about 0.0% of the state's population lives in Modena.
• National rank: Modena is 12,825th of 19,457 places nationwide.
• Growth in Pennsylvania: Modena stands 230th by percentage change from 2020 to 2023, among 1,013 places.
• State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Modena's 0.0%.
• Density rank: Modena places 593rd among Pennsylvania's places by people per square mile.
• Density in context: Modena's 1,578 people per square mile sit against a Pennsylvania median of 1,990.
• Location: mapped by the US Census Bureau at 39.9639, -75.8051.
• Nearest larger cities: South Coatesville (1 mi); Coatesville (2 mi); Parkesburg (6 mi); Downingtown (6 mi); Atglen (9 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller communities close by: New Morgan (16 mi); Arden (20 mi); Ardencroft (20 mi), each with its own Census population profile.
• Smaller neighbours: 21 places smaller than Modena sit within 50 miles.
• At 100 miles: 679 larger Census places fall inside that radius.

Which Pennsylvania laws govern a loan in Modena

Every row below records a Pennsylvania rule, its publisher and its retrieval date — the same rules a Modena lender must follow.

A practical checklist for Modena borrowers

For Modena's roughly 543 residents, these are the steps that most influence the offer:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Check the Pennsylvania regulator's records to confirm the lender is licensed here.
5. Decide the purpose and how you will repay it before approaching any lender.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

What differs between Modena and the rest of Pennsylvania is not the process but the borrower's own file, among the 543 people here.

Modena in state context

Modena is the 751st-largest of 1,013 Census places in Pennsylvania and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 230th of 1,013 Pennsylvania places, putting it near the 77th percentile for growth. At about 1,578 people per square mile, Modena is the 593rd most densely settled place in Pennsylvania. Within 50 miles sit 21 smaller Census places, alongside the 229 that are larger.

Borrowing reach in Modena

At roughly 1,578 people per square mile, Modena is moderately settled; 229 larger places lie within 50 miles. Lenders licensed in Pennsylvania reach Modena's 543 residents online, so the nearest branch is not what sets your APR. The nearest larger city, South Coatesville, PA about 1 miles away.

What shapes a Modena personal loan

A Modena personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 543 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Modena. Because the payment is fixed, the total cost of a Modena loan is knowable in advance — unlike a revolving card balance.