Personal loans in Shinglehouse, PA
Shinglehouse is a small community of about 1,070 residents, and a personal loan taken out here is governed by Pennsylvania statute. Compare APR, not the interest rate, because the APR folds in most fees on a Shinglehouse loan.
With 1,070 residents, Shinglehouse outranks about 42% of the communities in Pennsylvania. To lend to Shinglehouse's 1,070 residents, a company must hold a Pennsylvania licence, and each sourced row below names the regulator behind it. Shinglehouse lost roughly 3.1% of its population across the 2020-to-2023 comparison. The next larger city is Port Allegany, PA about 11 miles away.
Where Shinglehouse stands
Set out below is Shinglehouse's local context next to the state-level rules that reach every lender here.
- Population: about 1,070, ranked 583rd of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 3.1% fewer residents than the 2020 Census counted.
- Absolute change: 34 residents lost between 2020 and 2023.
- Size percentile: Shinglehouse sits ahead of around 42% of Pennsylvania places, at 1,070 people.
- Population density: about 515 people per square mile (Census land area 2.1 sq mi).
- Land area: Shinglehouse covers 2.1 square miles, the 199th-largest area among Pennsylvania's 1,013 places.
- State population share: Shinglehouse accounts for about 0.0% of everyone in Pennsylvania.
- National rank: Shinglehouse is 9,952nd of 19,457 places nationwide.
- Growth rank: Shinglehouse's 2020-to-2023 change ranks 901st of 1,013 places in Pennsylvania.
- State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Shinglehouse's 3.1%.
- Density rank: Shinglehouse is the 855th most densely settled place in Pennsylvania.
- Against the state median: Shinglehouse runs about 515 residents per square mile, where the Pennsylvania median is 1,990.
- Location: coordinates 41.9670, -78.1905 (US Census Bureau Gazetteer).
- Nearest larger cities: Port Allegany (11 mi); Olean (15 mi); Coudersport (16 mi); Wellsville (16 mi); Smethport (17 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller towns nearby: Bolivar (7 mi); Richburg (9 mi); Portville (9 mi).
- Within a 50-mile radius: 29 smaller Census places.
- At 100 miles: 175 larger Census places fall inside that radius.
Getting a loan in Shinglehouse
Shinglehouse is moderately settled, with about 515 people per square mile and 26 larger places within 50 miles. Whether Shinglehouse has a local branch or not, a Pennsylvania-licensed lender can serve its 1,070 people online on the same terms. The nearest bigger place is Port Allegany, PA about 11 miles away.
Shinglehouse against the rest of Pennsylvania
Among Pennsylvania's 1,013 places, Shinglehouse sits at 583rd for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Shinglehouse ranks 901st of 1,013 in Pennsylvania (about the 11th percentile). Its roughly 515 residents per square mile place it 855th among Pennsylvania's places. By land area, its 2.1 square miles rank 199th of 1,013 places in Pennsylvania.
How Pennsylvania law applies in Shinglehouse
Every row below records a Pennsylvania rule, its publisher and its retrieval date — the same rules a Shinglehouse lender must follow.
| 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 |
| 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 |
Where Shinglehouse sits
Shinglehouse's land area is roughly 2.1 square miles, and the Gazetteer records no significant water area within it. That land carries about 515 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 209 miles away. A 50-mile radius around Shinglehouse takes in 26 places that are larger. The 100-mile radius contains 175 larger places.
What a Shinglehouse borrower is actually offered
A Shinglehouse personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,070 residents. A lender serving Shinglehouse's 1,070 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Shinglehouse loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
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Nearby places
- Bolivar, NY — population 1,007
- Richburg, NY — population 410
- Portville, NY — population 887
- Port Allegany, PA — population 2,059
- Oswayo, PA — population 130
- Eldred, PA — population 736
- Coudersport, PA — population 2,314
- Cuba, NY — population 1,523