Personal loans in Pleasantville, PA

Pleasantville counts about 195 people, and what is genuinely local about borrowing here is limited — Pennsylvania law does the governing.

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.

For a community of about 195, the practical step is to compare APR across at least three lenders before committing. Pleasantville ranks 933rd of 1,013 places in Pennsylvania, with a population near 195. Lenders active in Pleasantville report to a Pennsylvania supervisor, identified in the sourced rows below. Between the 2020 Census base and the 2023 estimate, Pleasantville's population barely changed. The nearest larger city is Schellsburg, PA about 9 miles away.

Pleasantville: the sourced local profile

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

What is available to Pleasantville borrowers

Pleasantville is a fairly dense community of about 195 people, with 121 larger places inside a 50-mile radius. What is available to Pleasantville's 195 borrowers is set by Pennsylvania licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Schellsburg, PA about 9 miles away.

Pleasantville against the rest of Pennsylvania

Among Pennsylvania's 1,013 places, Pleasantville sits at 933rd for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 235th of 1,013 Pennsylvania places, putting it near the 77th percentile for growth. At about 2,635 people per square mile, Pleasantville is the 383rd most densely settled place in Pennsylvania. By land area, its 0.1 square miles rank 1,000th of 1,013 places in Pennsylvania.

How personal loans work in Pleasantville

In Pleasantville, a small community of about 195, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Pleasantville lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Pleasantville loan is knowable in advance — unlike a revolving card balance.

Land, water and location for Pleasantville

The Census Gazetteer records about 0.1 square miles of land within Pleasantville, with no significant water area listed. The resulting density is about 2,635 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 184 miles. Counting outward 50 miles, 121 larger communities surround Pleasantville. By land area it ranks 1,000th of 1,013 Pennsylvania places.

How Pennsylvania law applies in Pleasantville

When Pennsylvania does not publish a figure, the row links to the source instead of inventing a number; Pleasantville is bound by the same rules.

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
Small-loan / installment lender licensingConsumer Discount Company Act license required for non-mortgage consumer loans above 6%; licensed lenders may charge up to 24% on loans of $25,000 or less.
Source says: "A consumer discount company is a business corporation that negotiates or makes non-mortgage loans or advances of money on credit."
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

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