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Personal loans in Sugar Grove, PA

The Census estimates 544 residents in Sugar Grove, which ranks it 749th of 1,013 places in Pennsylvania. Population in Sugar Grove dropped about 2.5% over the three years from 2020 to 2023. Sugar Grove is a small community in Pennsylvania, with an estimated 544 residents, and every licensed lender here follows the same state rulebook. When Pennsylvania caps or restricts a product, lenders either change the terms or withdraw it from Sugar Grove as from the rest of the state. Decide the purpose of the loan and your repayment plan before sharing any details with a Sugar Grove lender. The nearest larger metro is Lakewood, NY about 8 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

Sugar Grove: population, trend and location

Sugar Grove is a small community; the notes below cover its population profile and the statewide rules that apply.

Steps to take before a Sugar Grove loan

Before you apply in Sugar Grove, a community of about 544, work through these steps:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Test your amount and term in the personal loan calculator first.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Look the lender up in the Pennsylvania regulator's licence records before you sign.
  5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  6. Read the disclosure for an origination fee and any prepayment penalty before signing.
  7. Make sure the new payment leaves room in a budget you already keep.

What differs between Sugar Grove and the rest of Pennsylvania is not the process but the borrower's own file, among the 544 people here.

Sugar Grove: area, density and distance

Sugar Grove covers about 1.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 485 residents per square mile. Philadelphia, the largest place in Pennsylvania, is about 258 miles from Sugar Grove. A 50-mile radius around Sugar Grove takes in 50 places that are larger. Within the same 50 miles lie 21 smaller Census places.

Sugar Grove's place among Pennsylvania's 1,013 places

Sugar Grove is the 749th-largest of 1,013 Census places in Pennsylvania and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 784th of 1,013 Pennsylvania places, putting it near the 23th percentile for growth. By density, at about 485 people per square mile, it ranks 864th in Pennsylvania. Within 50 miles sit 21 smaller Census places, alongside the 50 that are larger.

Pennsylvania consumer-lending rules applied in Sugar Grove

This table holds the Pennsylvania rate and licensing rules for consumer loans made to Sugar Grove's 544 residents.

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
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
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

Lender access in Sugar Grove

At roughly 485 people per square mile, Sugar Grove is lightly settled; 50 larger places lie within 50 miles. What is available to Sugar Grove's 544 borrowers is set by Pennsylvania licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Lakewood, NY about 8 miles away.

Compare personal loan offers Run the numbers first

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

Nearby places

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