Personal loans in Petrolia, PA

Lenders active in Petrolia report to a Pennsylvania supervisor, identified in the sourced rows below.

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

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.

A lender serving Petrolia holds a Pennsylvania licence and answers to a Pennsylvania regulator; no city office is involved for its 173 residents. The Census counts 173 people in Petrolia, the 953rd-largest figure among Pennsylvania's 1,013 places. A 2020-to-2023 comparison shows Petrolia down by about 2.8%. Pull your credit reports and line up at least three offers before you apply from Petrolia. Borrowers who want a bigger city can look to Fairview, PA about 1 miles away.

Petrolia: population, trend and location

Two layers matter for a Petrolia borrower: the local population picture and Pennsylvania's consumer-lending statutes.

Petrolia in state context

Within Pennsylvania, Petrolia holds roughly 0.0% of all residents, the 953rd-largest share among 1,013 places. Its 2020-to-2023 change ranks 867th of 1,013 Pennsylvania places, putting it near the 14th percentile for growth. At about 438 people per square mile, Petrolia is the 884th most densely settled place in Pennsylvania. Between 2020 and 2023 the count changed by roughly 5 residents.

Where Petrolia sits

Petrolia's land area is roughly 0.4 square miles, and the Gazetteer records no significant water area within it. That land carries about 438 people per square mile. The largest place in Pennsylvania, Philadelphia, lies about 251 miles away. Within 50 miles of Petrolia there are 244 larger Census places. The 100-mile radius contains 677 larger places.

Borrowing reach in Petrolia

Petrolia is a lightly settled community of about 173 people, with 244 larger places inside a 50-mile radius. What is available to Petrolia's 173 borrowers is set by Pennsylvania licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Fairview, PA about 1 miles away.

What a Petrolia borrower is actually offered

In Petrolia, a small community of about 173, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Petrolia's rank of 953rd in Pennsylvania: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Petrolia decides the split between a comfortable payment and the total interest you pay.

The state rulebook for Petrolia

Read the table as a lender's compliance picture for Petrolia: 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
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 statusNo 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

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 Petrolia 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 Petrolia is the same as anywhere in Pennsylvania.
What loan size can I expect in Petrolia?
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 Petrolia?
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 Petrolia 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.

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