Personal loans in Punxsutawney, PA

Punxsutawney is a small town in Pennsylvania, with an estimated 5,613 residents, and every licensed lender here follows the same state rulebook. If debt is already a strain, a nonprofit credit counsellor can help Punxsutawney residents before they take on more. State law, not city hall, decides what a lender may do to Punxsutawney's roughly 5,613 residents, and a state regulator supervises it. Population in Punxsutawney dropped about 2.7% over the three years from 2020 to 2023. The closest larger place is DuBois, PA about 17 miles away.

Where Punxsutawney stands

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

• Population: about 5,613, ranked 164th of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
• Population trend: The 2020-to-2023 change is negative, near 2.7%.
• People gained or lost: about 155 fewer since the 2020 base.
• Size percentile: about 84% of Pennsylvania's Census places are smaller than Punxsutawney.
• Population density: 1,668 people per square mile on 3.4 square miles of land.
• Land area rank: Punxsutawney's 3.4 square miles rank 111th of 1,013 places in Pennsylvania.
• Water area rank: Punxsutawney ranks 189th among Pennsylvania's 1,013 places, with 0.06 sq mi.
• Share of state population: Punxsutawney's 5,613 residents are about 0.1% of Pennsylvania.
• National rank: Punxsutawney sits 4,528th by population among the 19,457 places in this dataset.
• Growth rank: Punxsutawney ranks 842nd among Pennsylvania's 1,013 places for the 2020-to-2023 change.
• State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Punxsutawney's 2.7%.
• Density rank: Punxsutawney places 572nd among Pennsylvania's places by people per square mile.
• Density in context: Punxsutawney's 1,668 people per square mile sit against a Pennsylvania median of 1,990.
• Location: latitude 40.9437, longitude -78.9748 (Census Gazetteer).
• Nearest larger cities: DuBois (17 mi); Indiana (24 mi); Clearfield (28 mi); St. Marys (43 mi); Altoona (43 mi). Online lenders reach Punxsutawney no matter how far the nearest branch is.
• Nearest smaller towns: Big Run (5 mi); Worthville (10 mi); Sykesville (11 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 141 smaller Census places.
• At 100 miles: 87 larger Census places fall inside that radius.

The Pennsylvania lending rules that reach Punxsutawney

Every row below records a Pennsylvania rule, its publisher and its retrieval date — the same rules a Punxsutawney lender must follow.

What is available to Punxsutawney borrowers

With about 1,668 residents per square mile, Punxsutawney is moderately settled, and 11 larger Census places sit within 50 miles. Lenders licensed in Pennsylvania reach Punxsutawney's 5,613 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is DuBois, PA about 17 miles away.

A pre-application checklist for Punxsutawney

These steps shape the offer you get in Punxsutawney, a place of about 5,613 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Test your amount and term in the personal loan calculator first.
3. Line up several pre-qualified offers and let the APR decide.
4. Look the lender up in the Pennsylvania regulator's licence records before you sign.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Check that the monthly payment fits your budget next to your existing obligations.

None of these steps is Punxsutawney-specific: the same Pennsylvania licensing and disclosure rules reach all 5,613 residents.

Where Punxsutawney sits

Punxsutawney's land area is about 3.4 square miles; a further 0.06 square miles is water. With 5,613 residents, the land area yields roughly 1,668 people per square mile. Philadelphia, the largest place in Pennsylvania, is about 212 miles from Punxsutawney. Punxsutawney has 11 larger places within a 50-mile radius. By land area it ranks 111th of 1,013 Pennsylvania places.

Punxsutawney against the rest of Pennsylvania

Against Pennsylvania's other places, Punxsutawney accounts for about 0.1% of the state's population and ranks 164th of 1,013 by size. On the 2020-to-2023 trend, Punxsutawney stands 842nd among Pennsylvania's 1,013 places — roughly the 17th percentile. At about 1,668 people per square mile, Punxsutawney is the 572nd most densely settled place in Pennsylvania. Between 2020 and 2023 the count changed by roughly 155 residents.