Personal loans in Sylvania, PA

Sylvania shed about 0.9% of its population between the 2020 base and the 2023 estimate. To lend to Sylvania's 214 residents, a company must hold a Pennsylvania licence, and each sourced row below names the regulator behind it. Compare APR, not the interest rate, because the APR folds in most fees on a Sylvania loan. The nearest larger city is Troy, PA about 4 miles away.

The Sylvania data picture

Here is the sourced Census picture for Sylvania, plus the Pennsylvania lending rules that apply to a loan taken out here.

• Population: 214 residents; Sylvania is the 917th-largest of 1,013 places in Pennsylvania (US Census Bureau, Vintage 2023).
• Population trend: Lower by roughly 0.9% since the 2020 count.
• Net change: roughly 2 fewer people than the 2020 Census counted.
• Size percentile: about 9% of Pennsylvania's Census places are smaller than Sylvania.
• Population density: about 192 people per square mile across 1.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Sylvania ranks 395th among Pennsylvania's 1,013 places, at 1.1 sq mi.
• Within Pennsylvania: about 0.0% of the state's population lives in Sylvania.
• National standing: Sylvania ranks 16,271st of 19,457 US places.
• Growth rank: Sylvania ranks 435th among Pennsylvania's 1,013 places for the 2020-to-2023 change.
• Versus Pennsylvania: the state average change is -0.9%, while Sylvania moved 0.9%.
• Density in Pennsylvania: Sylvania ranks 953rd by people per square mile.
• Against the state median: Sylvania runs about 192 residents per square mile, where the Pennsylvania median is 1,990.
• Location: latitude 41.8012, longitude -76.8658 (Census Gazetteer).
• Nearest larger cities: Troy (4 mi); Canton (10 mi); Mansfield (11 mi); Blossburg (13 mi); Tioga (16 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller towns: Roseville (6 mi); Alba (7 mi); Burlington (13 mi).
• Within a 50-mile radius: 6 smaller Census places.
• Within 100 miles: 404 places are larger than Sylvania.

What shapes a Sylvania personal loan

With roughly 214 residents, Sylvania is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Sylvania's rank of 917th in Pennsylvania: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Sylvania loan but raises total interest, so the smallest payment is not the cheapest loan.

The Pennsylvania lending rules that reach Sylvania

The rows below set out what a licensed lender must follow in Pennsylvania, and so for Sylvania's roughly 214 residents.

The Sylvania borrowing checklist

For Sylvania's roughly 214 residents, these are the steps that most influence the offer:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the lender holds a Pennsylvania licence by checking the regulator named above.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Make sure the new payment leaves room in a budget you already keep.
7. Pick the shortest term whose payment you can comfortably afford.

The process is identical across Pennsylvania; what changes is your credit file, not the fact that Sylvania holds 214 people.

Getting a loan in Sylvania

Sylvania is a lightly settled community of about 214 people, with 68 larger places inside a 50-mile radius. Lenders licensed in Pennsylvania reach Sylvania's 214 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Troy, PA about 4 miles away.

The geography behind Sylvania

The Census Gazetteer records about 1.1 square miles of land within Sylvania, with no significant water area listed. The resulting density is about 192 people per square mile. The largest place in Pennsylvania, Philadelphia, lies about 153 miles away. Within 50 miles of Sylvania there are 68 larger Census places. The 100-mile radius contains 404 larger places.