Personal loans in Old Forge, PA

Old Forge is a small town of about 8,612 residents, and a personal loan taken out here is governed by Pennsylvania statute. The Census estimates 8,612 residents in Old Forge, which ranks it 89th of 1,013 places in Pennsylvania.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Census figures put the 2020-to-2023 increase in Old Forge at about 1.3%. Price two or three terms so you can see which payment is truly affordable in Old Forge. The closest larger city is Scranton, PA about 5 miles away. Every figure below is Pennsylvania's own, applied to Old Forge's 8,612 residents, with the publisher and retrieval date attached.

Old Forge: the sourced local profile

Only a few things actually differ by place — population, area, location, and the Pennsylvania rules a lender must follow — and they are below.

Which Pennsylvania laws govern a loan in Old Forge

Read the table as a lender's compliance picture for Old Forge: the rule, the sourced figure, the publisher and the date.

RuleDetailSource
State lending regulatorPennsylvania 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

The Old Forge borrowing checklist

Before you hand your details to a lender in Old Forge, where the population is near 8,612:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Test your amount and term in the personal loan calculator first.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Look the lender up in the Pennsylvania regulator's licence records before you sign.
  5. Be clear on what the loan is for and how it gets repaid.
  6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  7. Read the disclosure for an origination fee and any prepayment penalty before signing.

None of these steps is Old Forge-specific: the same Pennsylvania licensing and disclosure rules reach all 8,612 residents.

Old Forge on the map

The Census Gazetteer records about 3.4 square miles of land within Old Forge, with no significant water area listed. Spread across it are roughly 2,513 residents per square mile. Philadelphia, the largest place in Pennsylvania, is about 99 miles from Old Forge. Counting outward 50 miles, 11 larger communities surround Old Forge. By land area it ranks 109th of 1,013 Pennsylvania places.

Where Old Forge sits in Pennsylvania

Old Forge is the 89th-largest of 1,013 Census places in Pennsylvania and contains about 0.2% of the state's people. On the 2020-to-2023 trend, Old Forge stands 89th among Pennsylvania's 1,013 places — roughly the 91th percentile. Its roughly 2,513 residents per square mile place it 401st among Pennsylvania's places. In land area, Old Forge ranks 109th among Pennsylvania's 1,013 places.

Borrowing reach in Old Forge

With about 2,513 residents per square mile, Old Forge is fairly dense, and 11 larger Census places sit within 50 miles. Lenders licensed in Pennsylvania reach Old Forge's 8,612 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Scranton, PA about 5 miles away.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Old Forge if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Old Forge is the same as anywhere in Pennsylvania.
What loan size can I expect in Old Forge?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Old Forge?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Old Forge cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Related