Personal loans in South Renovo, PA
Rate ceilings, licensing requirements and product limits for South Renovo are all set at the Pennsylvania level. South Renovo ranks 811th of 1,013 places in Pennsylvania, with a population near 402.
If you are weighing a personal loan in South Renovo, start from the payment you can carry; its 402 residents face the same statewide rules. South Renovo shed about 1.0% of its population between the 2020 base and the 2023 estimate. For a community of about 402, the practical step is to compare APR across at least three lenders before committing. The nearest larger metro is Renovo, PA about 1 miles away.
South Renovo: population, trend and location
The figures below are South Renovo's own — Census population, land area and coordinates — followed by the Pennsylvania rules.
- Population: 402 residents; South Renovo is the 811th-largest of 1,013 places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: Roughly 1.0% fewer residents than the 2020 Census counted.
- People gained or lost: about 4 fewer since the 2020 base.
- Size percentile: with 402 residents, South Renovo is larger than about 20% of Pennsylvania's Census places.
- Population density: 1,971 people per square mile on 0.2 square miles of land.
- By land area: South Renovo ranks 925th among Pennsylvania's 1,013 places, at 0.2 sq mi.
- Water area rank: South Renovo ranks 298th among Pennsylvania's 1,013 places, with 0.03 sq mi.
- State share: roughly 0.0% of Pennsylvania's residents live in South Renovo (402 people).
- National rank: South Renovo sits 14,082nd by population among the 19,457 places in this dataset.
- Growth rank: South Renovo's 2020-to-2023 change ranks 449th of 1,013 places in Pennsylvania.
- State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against South Renovo's 1.0%.
- Density in Pennsylvania: South Renovo ranks 511th by people per square mile.
- Density vs Pennsylvania: South Renovo's 1,971 people per square mile compare with a state median of 1,990.
- Location: mapped by the US Census Bureau at 41.3247, -77.7423.
- Nearest larger cities: Renovo (1 mi); Beech Creek (19 mi); Flemington (20 mi); Lock Haven (20 mi); Mill Hall (20 mi). Living near a larger metro rarely changes what is available in South Renovo.
- Smaller towns nearby: Driftwood (20 mi); Salladasburg (27 mi); Unionville (30 mi).
- Within a 50-mile radius: 7 smaller Census places.
- At 100 miles: 339 larger Census places fall inside that radius.
South Renovo against the rest of Pennsylvania
Set beside Pennsylvania's 1,013 places, South Renovo ranks 811th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 449th of 1,013 Pennsylvania places, putting it near the 56th percentile for growth. By density, at about 1,971 people per square mile, it ranks 511th in Pennsylvania. In land area, South Renovo ranks 925th among Pennsylvania's 1,013 places.
The anatomy of a South Renovo personal loan
With roughly 402 residents, South Renovo is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in South Renovo. A longer term lowers the monthly payment on a South Renovo loan but raises total interest, so the smallest payment is not the cheapest loan.
Steps to take before a South Renovo loan
A sensible order of operations for a loan in South Renovo, home to about 402 people:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the Pennsylvania licence with the regulator named above before committing.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Check that the monthly payment fits your budget next to your existing obligations.
- Weigh a shorter term's higher payment against the interest it saves.
The process is identical across Pennsylvania; what changes is your credit file, not the fact that South Renovo holds 402 people.
Pennsylvania consumer-lending rules applied in South Renovo
Read the table as a lender's compliance picture for South Renovo: the rule, the sourced figure, the publisher and the date.
| 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 |
| Small-loan / installment lender licensing | Consumer 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 |
What is available to South Renovo borrowers
South Renovo is a moderately settled community of about 402 people, with 48 larger places inside a 50-mile radius. Whether South Renovo has a local branch or not, a Pennsylvania-licensed lender can serve its 402 people online on the same terms. The nearest bigger place is Renovo, PA about 1 miles away.
Common questions
What are my options in South Renovo if my credit is poor?
What loan size can I expect in South Renovo?
Do I have to pledge anything to borrow in South Renovo?
Does comparing loans in South Renovo cost me credit score points?
Nearby places
- Renovo, PA — population 1,047
- Beech Creek, PA — population 731
- Howard, PA — population 659
- Mill Hall, PA — population 1,460
- Flemington, PA — population 1,263
- Lock Haven, PA — population 8,457
- Snow Shoe, PA — population 657
- Driftwood, PA — population 35