Personal loans in Pleasantville, PA

A lender that serves Pleasantville operates under Pennsylvania lending statutes and a Pennsylvania supervisor. A personal loan in Pleasantville is priced from your credit file and income, not from the fact that the city holds 826 people.

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.

With 826 residents, Pleasantville outranks about 37% of the communities in Pennsylvania. Census figures put the 2020-to-2023 decrease in Pleasantville at about 2.6%. Pull your credit reports and line up at least three offers before you apply from Pleasantville. The nearest larger metro is Titusville, PA about 5 miles away.

Pleasantville: population, trend and location

The figures below are Pleasantville's own — Census population, land area and coordinates — followed by the Pennsylvania rules.

Where Pleasantville sits

Pleasantville's land area is roughly 0.9 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 869 residents per square mile. For the state's biggest city, Philadelphia, the distance is roughly 257 miles. A 50-mile radius around Pleasantville takes in 42 places that are larger. The 100-mile radius contains 345 larger places.

How Pennsylvania law applies in Pleasantville

Below are the Pennsylvania rules that apply to a loan made in Pleasantville, each with the regulator that issued it.

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

How personal loans work in Pleasantville

Most loans made to Pleasantville's 826 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Pleasantville loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Pleasantville loan is knowable in advance — unlike a revolving card balance.

Before you apply in Pleasantville

Before you apply in Pleasantville, a community of about 826, work through these steps:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Make sure the lender appears in the Pennsylvania regulator's licence list.
  5. Check the disclosure for fees that raise the true cost above the quoted rate.
  6. Check that the monthly payment fits your budget next to your existing obligations.
  7. Pick the shortest term whose payment you can comfortably afford.

In Pleasantville as elsewhere in Pennsylvania, the written terms — not the advertisement — are what count for its 826 residents.

Pleasantville in state context

Within Pennsylvania, Pleasantville holds roughly 0.0% of all residents, the 640th-largest share among 1,013 places. On the 2020-to-2023 trend, Pleasantville stands 817th among Pennsylvania's 1,013 places — roughly the 19th percentile. At about 869 people per square mile, Pleasantville is the 759th most densely settled place in Pennsylvania. Between 2020 and 2023 the count changed by roughly 22 residents.

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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