Personal loans in New Baltimore, PA
New Baltimore is home to roughly 134 people and stands 973rd by size out of 1,013 Census places in Pennsylvania.
In New Baltimore, one of 1,013 Census places in Pennsylvania, the figure to compare across lenders is the APR, not the advertised rate. A 2020-to-2023 comparison shows New Baltimore down by about 2.2%. Decide the purpose of the loan and your repayment plan before sharing any details with a New Baltimore lender. Every figure below is Pennsylvania's own, applied to New Baltimore's 134 residents, with the publisher and retrieval date attached. The closest larger place is Indian Lake, PA about 6 miles away.
What the Census records for New Baltimore
Most of what governs a New Baltimore loan is written in Pennsylvania law rather than in the city; the sourced notes below make that split concrete.
- Population: 134 — New Baltimore ranks 973rd of 1,013 communities in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 2.2%.
- Absolute change: 3 residents lost between 2020 and 2023.
- Size percentile: about 4% of Pennsylvania's Census places are smaller than New Baltimore.
- Population density: about 386 people per square mile across 0.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: New Baltimore's 0.3 square miles rank 843rd of 1,013 places in Pennsylvania.
- State share: roughly 0.0% of Pennsylvania's residents live in New Baltimore (134 people).
- National rank: New Baltimore is the 17,543rd most populous of the 19,457 Census places covered here.
- Growth in Pennsylvania: New Baltimore stands 700th by percentage change from 2020 to 2023, among 1,013 places.
- State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against New Baltimore's 2.2%.
- Density rank: New Baltimore is the 901st most densely settled place in Pennsylvania.
- Density in context: New Baltimore's 386 people per square mile sit against a Pennsylvania median of 1,990.
- Location: it lies at 39.9835, -78.7723 in the Census Gazetteer.
- Nearest larger cities: Indian Lake (6 mi); Shanksville (8 mi); Schellsburg (8 mi); Central City (9 mi); Manns Choice (10 mi). Larger metros often have more branches, but online lenders reach New Baltimore on the same terms.
- Smaller places nearby: Callimont (15 mi); St. Clairsville (18 mi); New Centerville (22 mi).
- Smaller places within 50 miles: 13 of them.
- At 100 miles: 578 larger Census places fall inside that radius.
How a New Baltimore personal loan is priced
A New Baltimore personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 134 residents. A lender serving New Baltimore's 134 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a New Baltimore loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
The Pennsylvania lending rules that reach New Baltimore
The rows below set out what a licensed lender must follow in Pennsylvania, and so for New Baltimore's roughly 134 residents.
| 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 |
New Baltimore on the map
The Census Gazetteer records about 0.3 square miles of land within New Baltimore, with no significant water area listed. That land carries about 386 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 193 miles. Within 50 miles of New Baltimore there are 130 larger Census places. The 100-mile radius contains 578 larger places.
Getting a loan in New Baltimore
New Baltimore is a lightly settled community of about 134 people, with 130 larger places inside a 50-mile radius. Lenders licensed in Pennsylvania reach New Baltimore's 134 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Indian Lake, PA about 6 miles away.
New Baltimore against the rest of Pennsylvania
Set beside Pennsylvania's 1,013 places, New Baltimore ranks 973rd by population and holds about 0.0% of the state total. For population change between 2020 and 2023, New Baltimore ranks 700th of 1,013 in Pennsylvania (about the 31th percentile). Its roughly 386 residents per square mile place it 901st among Pennsylvania's places. By land area, its 0.3 square miles rank 843rd of 1,013 places in Pennsylvania.
Common questions
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Nearby places
- Indian Lake, PA — population 389
- Central City, PA — population 972
- Shanksville, PA — population 192
- Schellsburg, PA — population 327
- Hyndman, PA — population 852
- New Paris, PA — population 191
- Manns Choice, PA — population 310
- Berlin, PA — population 1,960