Personal loans in Wallaceton, PA
With roughly 318 residents, Wallaceton is a small community, and the lending rules its borrowers live under are written in Pennsylvania, not by the city.
At about 318 residents, Wallaceton is larger than roughly 15% of the places in Pennsylvania. Wallaceton added about 6.4% to its population between the 2020 base and the 2023 estimate. Verify the lender's Pennsylvania licence against the regulator named below before borrowing in Wallaceton. Borrowers who want a bigger city can look to Chester Hill, PA about 6 miles away. A lender that serves Wallaceton operates under Pennsylvania lending statutes and a Pennsylvania supervisor.
Wallaceton: the sourced local profile
Only a few things actually differ by place — population, area, location, and the Pennsylvania rules a lender must follow — and they are below.
- Population: 318 people, a figure that places Wallaceton 858th among the 1,013 Census places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: Roughly 6.4% more residents than the 2020 Census counted.
- Net change: roughly 19 more people than the 2020 Census counted.
- Size percentile: about 15% of Pennsylvania's Census places are smaller than Wallaceton.
- Density: the Census land area of 0.8 sq mi holds about 416 people per square mile.
- Land area: Wallaceton covers 0.8 square miles, the 567th-largest area among Pennsylvania's 1,013 places.
- State share: roughly 0.0% of Pennsylvania's residents live in Wallaceton (318 people).
- National rank: Wallaceton is the 14,913th most populous of the 19,457 Census places covered here.
- Growth in Pennsylvania: Wallaceton stands 22nd by percentage change from 2020 to 2023, among 1,013 places.
- State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Wallaceton's 6.4%.
- Density rank: Wallaceton places 892nd among Pennsylvania's places by people per square mile.
- Density in context: Wallaceton's 416 people per square mile sit against a Pennsylvania median of 1,990.
- Location: the Census Gazetteer records it at 40.9656, -78.2876.
- Nearest larger cities: Chester Hill (6 mi); Philipsburg (6 mi); Osceola Mills (8 mi); Clearfield (9 mi); Brisbin (9 mi). Larger metros often have more branches, but online lenders reach Wallaceton on the same terms.
- Smaller places nearby: Glen Hope (15 mi); Unionville (22 mi); Newburg (23 mi).
- Smaller neighbours: 28 places smaller than Wallaceton sit within 50 miles.
- Within 100 miles: 440 places are larger than Wallaceton.
Wallaceton against the rest of Pennsylvania
Set beside Pennsylvania's 1,013 places, Wallaceton ranks 858th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Wallaceton stands 22nd among Pennsylvania's 1,013 places — roughly the 98th percentile. Its roughly 416 residents per square mile place it 892nd among Pennsylvania's places. Within 50 miles sit 28 smaller Census places, alongside the 74 that are larger.
What Pennsylvania law requires in Wallaceton
For the roughly 318 residents of Wallaceton, the rules below are Pennsylvania's own; each row carries its publisher and retrieval date.
| 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 |
Borrowing reach in Wallaceton
Wallaceton is a lightly settled community of about 318 people, with 74 larger places inside a 50-mile radius. What is available to Wallaceton's 318 borrowers is set by Pennsylvania licensing and your own credit, not by how many branches are nearby. The nearest larger city, Chester Hill, PA about 6 miles away.
Wallaceton on the map
The Census Gazetteer records about 0.8 square miles of land within Wallaceton, with no significant water area listed. The resulting density is about 416 people per square mile. Philadelphia, the largest place in Pennsylvania, is about 178 miles from Wallaceton. A 50-mile radius around Wallaceton takes in 74 places that are larger. By land area it ranks 567th of 1,013 Pennsylvania places.
What a Wallaceton borrower is actually offered
A Wallaceton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 318 residents. A lender serving Wallaceton's 318 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Wallaceton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Common questions
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Nearby places
- Chester Hill, PA — population 796
- Philipsburg, PA — population 2,710
- Osceola Mills, PA — population 1,013
- Brisbin, PA — population 411
- Houtzdale, PA — population 743
- Clearfield, PA — population 5,810
- Ramey, PA — population 425
- Curwensville, PA — population 2,501