Personal loans in Valley-Hi, PA
With roughly 5 residents, Valley-Hi is a small community, and the lending rules its borrowers live under are written in Pennsylvania, not by the city.
Valley-Hi is one of 1,013 Census places in Pennsylvania; its 5 residents put it at 1,013th. The next larger city is Hopewell, PA about 8 miles away. Valley-Hi's population was effectively unchanged from the 2020 count to the 2023 estimate. When Pennsylvania caps or restricts a product, lenders either change the terms or withdraw it from Valley-Hi as from the rest of the state. Price two or three terms so you can see which payment is truly affordable in Valley-Hi.
Valley-Hi: population, trend and location
The figures below are Valley-Hi's own — Census population, land area and coordinates — followed by the Pennsylvania rules.
- Population: about 5 people live here, which puts Valley-Hi 1,013th of 1,013 Census places in Pennsylvania (Vintage 2023).
- Population trend: Stable from the 2020 base to 2023.
- Size percentile: roughly 0% of Pennsylvania's places have fewer residents than Valley-Hi's 5.
- Population density: about 10 people per square mile across 0.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Valley-Hi's 0.5 square miles rank 731st of 1,013 places in Pennsylvania.
- Water area rank: Valley-Hi ranks 188th among Pennsylvania's 1,013 places, with 0.07 sq mi.
- Share of state population: Valley-Hi's 5 residents are about 0.0% of Pennsylvania.
- Nationally: Valley-Hi is the 19,451st-largest of 19,457 Census places in the dataset.
- Growth rank: Valley-Hi's 2020-to-2023 change ranks 249th of 1,013 places in Pennsylvania.
- State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Valley-Hi's 0.0%.
- Density rank: Valley-Hi places 1,012th among Pennsylvania's places by people per square mile.
- Density in context: Valley-Hi's 10 people per square mile sit against a Pennsylvania median of 1,990.
- Location: 40.0321, -78.1926 (US Census Bureau Gazetteer).
- Nearest larger cities: Hopewell (8 mi); Everett (9 mi); Coaldale (9 mi); Dudley (12 mi); Broad Top City (12 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Within a 50-mile radius: 0 smaller Census places.
- At 100 miles: 603 larger Census places fall inside that radius.
How lenders reach Valley-Hi
Valley-Hi is sparsely settled, with about 10 people per square mile and 124 larger places within 50 miles. A Pennsylvania licence lets a lender serve Valley-Hi without a local office, so branch density does not change what its 5 residents are offered. The nearest larger city, Hopewell, PA about 8 miles away.
Where Valley-Hi sits in Pennsylvania
Among Pennsylvania's 1,013 places, Valley-Hi sits at 1,013th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 249th of 1,013 Pennsylvania places, putting it near the 75th percentile for growth. At about 10 people per square mile, Valley-Hi is the 1,012th most densely settled place in Pennsylvania. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.
Inside a Valley-Hi personal loan
With roughly 5 residents, Valley-Hi 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 Valley-Hi's rank of 1,013th 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 Valley-Hi loan but raises total interest, so the smallest payment is not the cheapest loan.
How Pennsylvania law applies in Valley-Hi
When Pennsylvania does not publish a figure, the row links to the source instead of inventing a number; Valley-Hi is bound by the same rules.
| 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 |
| Small-loan / installment lender licensing | Consumer Discount Company Act license required for non-mortgage consumer loans above 6%; licensed lenders may charge up to 24% on loans of $25,000 or less. Source says: "A consumer discount company is a business corporation that negotiates or makes non-mortgage loans or advances of money on credit." | 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 |
Where Valley-Hi sits
Valley-Hi covers about 0.5 square miles of land, with 0.07 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 10 residents per square mile. Philadelphia, the largest place in Pennsylvania, is about 162 miles from Valley-Hi. Within 50 miles of Valley-Hi there are 124 larger Census places. By land area it ranks 731st of 1,013 Pennsylvania places.
Common questions
What are my options in Valley-Hi if my credit is poor?
What loan size can I expect in Valley-Hi?
Do I have to pledge anything to borrow in Valley-Hi?
Does comparing loans in Valley-Hi cost me credit score points?
Nearby places
- Hopewell, PA — population 187
- Coaldale, PA — population 128
- Everett, PA — population 1,746
- Dudley, PA — population 180
- Broad Top City, PA — population 360
- Coalmont, PA — population 89
- Saxton, PA — population 713
- McConnellsburg, PA — population 1,124