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.

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.

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.

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.

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

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:

  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. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Confirm the Pennsylvania licence with the regulator named above before committing.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Read the disclosure for an origination fee and any prepayment penalty before signing.
  7. 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.

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