Personal loans in St. Lawrence, PA
St. Lawrence is home to roughly 1,890 people and stands 439th by size out of 1,013 Census places in Pennsylvania. The roughly 1,890 people who live in St. Lawrence borrow under Pennsylvania rules; city hall sets no personal-loan rate. St.
Lawrence lost roughly 0.2% of its population across the 2020-to-2023 comparison. Judge St. Lawrence offers on total cost, not on how quickly the money arrives. State law, not city hall, decides what a lender may do to St. Lawrence's roughly 1,890 residents, and a state regulator supervises it. The closest larger city is Mount Penn, PA about 1 miles away.
St. Lawrence by the numbers
The figures below are St. Lawrence's own — Census population, land area and coordinates — followed by the Pennsylvania rules.
- Population: 1,890 people, a figure that places St. Lawrence 439th among the 1,013 Census places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: A drop of about 0.2% from 2020 to 2023.
- Net change: roughly 4 fewer people than the 2020 Census counted.
- Size percentile: bigger than about 57% of the places in Pennsylvania, with 1,890 residents in St. Lawrence.
- Population density: about 2,105 people per square mile across 0.9 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: St. Lawrence covers 0.9 square miles, the 493rd-largest area among Pennsylvania's 1,013 places.
- State population share: St. Lawrence accounts for about 0.0% of everyone in Pennsylvania.
- National rank: St. Lawrence is 7,840th of 19,457 places nationwide.
- Growth in Pennsylvania: St. Lawrence stands 285th by percentage change from 2020 to 2023, among 1,013 places.
- Versus Pennsylvania: the state average change is -0.9%, while St. Lawrence moved 0.2%.
- Density rank: St. Lawrence places 484th among Pennsylvania's places by people per square mile.
- Density in context: St. Lawrence's 2,105 people per square mile sit against a Pennsylvania median of 1,990.
- Location: 40.3259 / -75.8638, per the US Census Bureau Gazetteer.
- Nearest larger cities: Mount Penn (1 mi); Reading (3 mi); West Reading (4 mi); Kenhorst (4 mi); Laureldale (5 mi). Living near a larger metro rarely changes what is available in St. Lawrence.
- Nearest smaller towns: New Morgan (10 mi); Elverson (12 mi); Lyons (12 mi).
- Within a 50-mile radius: 84 smaller Census places.
- Larger places within 100 miles: 498.
What Pennsylvania law requires in St. Lawrence
Every row below records a Pennsylvania rule, its publisher and its retrieval date — the same rules a St. Lawrence 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 |
| Payday lending status | No separate payday-lending license; non-bank lenders are limited to 6% (unlicensed) or up to 24% (CDCA-licensed), so high-cost payday loans are not permitted. Source says: "if a lender is licensed by the Department in accord with the CDCA, it can charge between 6-24% on loans under $25,000" (DoBS interpretive letter, May 11, 2023). | 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 |
Steps to take before a St. Lawrence loan
These steps shape the offer you get in St. Lawrence, a place of about 1,890 people:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Confirm the Pennsylvania licence with the regulator named above before committing.
- Write down the purpose of the loan and your repayment plan before you apply.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
In St. Lawrence as elsewhere in Pennsylvania, the written terms — not the advertisement — are what count for its 1,890 residents.
Borrowing reach in St. Lawrence
With about 2,105 residents per square mile, St. Lawrence is fairly dense, and 181 larger Census places sit within 50 miles. A Pennsylvania licence lets a lender serve St. Lawrence without a local office, so branch density does not change what its 1,890 residents are offered. The nearest bigger place is Mount Penn, PA about 1 miles away.
The geography behind St. Lawrence
St. Lawrence covers about 0.9 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 2,105 residents per square mile. Philadelphia, the largest place in Pennsylvania, is about 44 miles from St. Lawrence. St. Lawrence has 181 larger places within a 50-mile radius. By land area it ranks 493rd of 1,013 Pennsylvania places.
St. Lawrence's place among Pennsylvania's 1,013 places
Against Pennsylvania's other places, St. Lawrence accounts for about 0.0% of the state's population and ranks 439th of 1,013 by size. On the 2020-to-2023 trend, St. Lawrence stands 285th among Pennsylvania's 1,013 places — roughly the 72th percentile. At about 2,105 people per square mile, St. Lawrence is the 484th most densely settled place in Pennsylvania. Between 2020 and 2023 the count changed by roughly 4 residents.
Common questions
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Nearby places
- Mount Penn, PA — population 3,235
- Reading, PA — population 94,903
- Laureldale, PA — population 4,286
- Kenhorst, PA — population 2,992
- Birdsboro, PA — population 5,095
- West Reading, PA — population 4,543
- Wyomissing, PA — population 11,132
- Shillington, PA — population 5,464