Personal loans in Penn, PA
With roughly 620 residents, Penn is a small community, and the lending rules its borrowers live under are written in Pennsylvania, not by the city.
Decide the purpose of the loan and your repayment plan before sharing any details with a Penn lender. With 620 residents, Penn outranks about 29% of the communities in Pennsylvania. A lender that serves Penn operates under Pennsylvania lending statutes and a Pennsylvania supervisor. From the 2020 Census base to the 2023 estimate, the population rose by about 41.9%. The nearest larger city is Jeannette, PA about 1 miles away.
Borrowing in Penn: the local picture
Only a few things actually differ by place — population, area, location, and the Pennsylvania rules a lender must follow — and they are below.
- Population: 620 people, a figure that places Penn 718th among the 1,013 Census places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: Higher by roughly 41.9% since the 2020 count.
- Net change: roughly 183 more people than the 2020 Census counted.
- Size percentile: about 29% of Pennsylvania communities are smaller than Penn (620 residents).
- Population density: about 3,949 people per square mile across 0.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Penn's 0.2 square miles rank 960th of 1,013 places in Pennsylvania.
- Share of Pennsylvania: Penn holds about 0.0% of the state's population, some 620 people.
- National rank: Penn sits 12,295th by population among the 19,457 places in this dataset.
- Growth in Pennsylvania: Penn stands 1st by percentage change from 2020 to 2023, among 1,013 places.
- Versus Pennsylvania: the state average change is -0.9%, while Penn moved 41.9%.
- Density rank: Penn places 196th among Pennsylvania's places by people per square mile.
- Against the state median: Penn runs about 3,949 residents per square mile, where the Pennsylvania median is 1,990.
- Location: 40.3292 / -79.6421, per the US Census Bureau Gazetteer.
- Nearest larger cities: Jeannette (1 mi); Manor (2 mi); Irwin (3 mi); North Irwin (4 mi); Greensburg (5 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places close by: Adamsburg (1 mi); Arona (4 mi); Madison (6 mi).
- Smaller neighbours: 98 places smaller than Penn sit within 50 miles.
- Within 100 miles: 421 places are larger than Penn.
What Pennsylvania law requires in Penn
Read the table as a lender's compliance picture for Penn: the rule, the sourced figure, the publisher and the date.
| 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 |
| 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 |
| Payday lending status | No separate payday-lending license; non-bank lenders are limited to 6% (unlicensed) or up to 24% (CDCA-licensed), so high-cost payday loans are not permitted. Source says: "if a lender is licensed by the Department in accord with the CDCA, it can charge between 6-24% on loans under $25,000" (DoBS interpretive letter, May 11, 2023). | Pennsylvania Department of Banking and Securities as of 2026-09-16 |
Penn against the rest of Pennsylvania
Penn is the 718th-largest of 1,013 Census places in Pennsylvania and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Penn stands 1st among Pennsylvania's 1,013 places — roughly the 100th percentile. By density, at about 3,949 people per square mile, it ranks 196th in Pennsylvania. By land area, its 0.2 square miles rank 960th of 1,013 places in Pennsylvania.
How personal loans work in Penn
In Penn, a small community of about 620, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Penn's 620 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Penn loan is knowable in advance — unlike a revolving card balance.
Getting a loan in Penn
At roughly 3,949 people per square mile, Penn is fairly dense; 214 larger places lie within 50 miles. Lenders licensed in Pennsylvania reach Penn's 620 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Jeannette, PA about 1 miles away.
Penn on the map
Penn covers about 0.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 620 residents, the land area yields roughly 3,949 people per square mile. The largest place in Pennsylvania, Philadelphia, lies about 239 miles away. Within 50 miles of Penn there are 214 larger Census places. The 100-mile radius contains 421 larger places.
Common questions
What are my options in Penn if my credit is poor?
What loan size can I expect in Penn?
Do I have to pledge anything to borrow in Penn?
Does comparing loans in Penn cost me credit score points?
Nearby places
- Adamsburg, PA — population 142
- Jeannette, PA — population 8,591
- Manor, PA — population 3,520
- Irwin, PA — population 3,813
- Arona, PA — population 248
- North Irwin, PA — population 814
- Export, PA — population 877
- Madison, PA — population 357