Personal loans in Tionesta, PA
With an estimated 415 residents, Tionesta is the 799th-largest of 1,013 places in Pennsylvania. For a borrower among the roughly 415 residents of Tionesta, a personal loan is a tool whose cost turns on the terms, not the address.
Census figures put the 2020-to-2023 decrease in Tionesta at about 3.7%. If debt is already a strain, a nonprofit credit counsellor can help Tionesta residents before they take on more. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Tionesta's 415 residents. The closest larger city is Pleasantville, PA about 9 miles away.
The Tionesta data picture
Read the local figures below as context; read the sourced Pennsylvania table as the rulebook a lender here must follow.
- Population: about 415 people live here, which puts Tionesta 799th of 1,013 Census places in Pennsylvania (Vintage 2023).
- Population trend: A loss of roughly 3.7% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 16 residents.
- Size percentile: about 21% of Pennsylvania's Census places are smaller than Tionesta.
- Population density: about 302 people per square mile (Census land area 1.4 sq mi).
- By land area: Tionesta ranks 331st among Pennsylvania's 1,013 places, at 1.4 sq mi.
- State population share: Tionesta accounts for about 0.0% of everyone in Pennsylvania.
- National rank: Tionesta is the 13,944th most populous of the 19,457 Census places covered here.
- Growth rank: Tionesta ranks 949th among Pennsylvania's 1,013 places for the 2020-to-2023 change.
- Versus Pennsylvania: the state average change is -0.9%, while Tionesta moved 3.7%.
- Density rank: Tionesta places 920th among Pennsylvania's places by people per square mile.
- Against the state median: Tionesta runs about 302 residents per square mile, where the Pennsylvania median is 1,990.
- Location: coordinates 41.4979, -79.4494 (US Census Bureau Gazetteer).
- Nearest larger cities: Pleasantville (9 mi); Rouseville (12 mi); Tidioute (13 mi); Oil City (14 mi); Titusville (14 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities within reach: Cooperstown (22 mi); Centerville (23 mi); Corsica (25 mi).
- Smaller places within 50 miles: 37 of them.
- At 100 miles: 430 larger Census places fall inside that radius.
Tionesta against the rest of Pennsylvania
Among Pennsylvania's 1,013 places, Tionesta sits at 799th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Tionesta stands 949th among Pennsylvania's 1,013 places — roughly the 6th percentile. Its roughly 302 residents per square mile place it 920th among Pennsylvania's places. Between 2020 and 2023 the count changed by roughly 16 residents.
What is available to Tionesta borrowers
At roughly 302 people per square mile, Tionesta is lightly settled; 72 larger places lie within 50 miles. A Pennsylvania licence lets a lender serve Tionesta without a local office, so branch density does not change what its 415 residents are offered. The nearest larger city, Pleasantville, PA about 9 miles away.
The Pennsylvania lending rules that reach Tionesta
Below are the Pennsylvania rules that apply to a loan made in Tionesta, each with the regulator that issued it.
| 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 |
| 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 |
Land, water and location for Tionesta
The Census Gazetteer records about 1.4 square miles of land within Tionesta, with no significant water area listed. The resulting density is about 302 people per square mile. Philadelphia, the largest place in Pennsylvania, is about 248 miles from Tionesta. Within 50 miles of Tionesta there are 72 larger Census places. By land area it ranks 331st of 1,013 Pennsylvania places.
Before you apply in Tionesta
For Tionesta's roughly 415 residents, these are the steps that most influence the offer:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Confirm the Pennsylvania licence with the regulator named above before committing.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Check that the monthly payment fits your budget next to your existing obligations.
In Tionesta as elsewhere in Pennsylvania, the written terms — not the advertisement — are what count for its 415 residents.
Common questions
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What loan size can I expect in Tionesta?
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Nearby places
- Pleasantville, PA — population 826
- Tidioute, PA — population 613
- Rouseville, PA — population 445
- Shippenville, PA — population 436
- Titusville, PA — population 5,164
- Oil City, PA — population 9,374
- Knox, PA — population 1,076
- Clarion, PA — population 4,295