Personal loans in Strattanville, PA

Strattanville is a small community of about 525 residents, and a personal loan taken out here is governed by Pennsylvania statute. By population, Strattanville sits at 757th in Pennsylvania, with an estimated 525 residents.

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.

From the 2020 Census base to the 2023 estimate, the population declined by about 2.6%. To lend to Strattanville's 525 residents, a company must hold a Pennsylvania licence, and each sourced row below names the regulator behind it. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Strattanville loan. The nearest larger metro is Clarion, PA about 3 miles away.

What the Census records for Strattanville

Set out below is Strattanville's local context next to the state-level rules that reach every lender here.

What is available to Strattanville borrowers

Strattanville is a moderately settled community of about 525 people, with 71 larger places inside a 50-mile radius. Lenders licensed in Pennsylvania reach Strattanville's 525 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Clarion, PA about 3 miles away.

Where Strattanville sits

Strattanville covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 1,050 residents per square mile. The largest place in Pennsylvania, Philadelphia, lies about 235 miles away. A 50-mile radius around Strattanville takes in 71 places that are larger. Within the same 50 miles lie 58 smaller Census places.

The Pennsylvania lending rules that reach Strattanville

Pennsylvania has no separate rate rule for Strattanville; the sourced rows below are what reach every lender that serves its 525 people.

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
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

The Strattanville borrowing checklist

Before you hand your details to a lender in Strattanville, where the population is near 525:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the lender holds a Pennsylvania licence by checking the regulator named above.
  5. Test the payment against your current bills before you commit.
  6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

In Strattanville as elsewhere in Pennsylvania, the written terms — not the advertisement — are what count for its 525 residents.

What a Strattanville borrower is actually offered

A Strattanville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 525 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Strattanville. Shortening the term on a Strattanville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

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