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.

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.

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.

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.

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
Payday lending statusNo 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 licensingConsumer 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:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Confirm the Pennsylvania licence with the regulator named above before committing.
  5. Write down the purpose of the loan and your repayment plan before you apply.
  6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  7. 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.

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 St. Lawrence 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 St. Lawrence is the same as anywhere in Pennsylvania.
What loan size can I expect in St. Lawrence?
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 St. Lawrence?
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 St. Lawrence 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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