Personal loans in Alba, PA
At about 137 residents, Alba is larger than roughly 4% of the places in Pennsylvania. Alba added about 1.5% to its population between the 2020 base and the 2023 estimate. Alba, Pennsylvania — home to about 137 people — is a small community, so the terms you are offered follow Pennsylvania law rather than any local rule. Every figure below is Pennsylvania's own, applied to Alba's 137 residents, with the publisher and retrieval date attached. Compare APR, not the interest rate, because the APR folds in most fees on a Alba loan. Borrowers who want a bigger city can look to Canton, PA about 4 miles away.
What the Census records for Alba
Here is the sourced Census picture for Alba, plus the Pennsylvania lending rules that apply to a loan taken out here.
- Population: 137 people, a figure that places Alba 968th among the 1,013 Census places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: Roughly 1.5% more residents than the 2020 Census counted.
- Net change: roughly 2 more people than the 2020 Census counted.
- Size percentile: roughly 4% of Pennsylvania places rank below Alba.
- Population density: about 203 people per square mile across 0.7 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Alba ranks 611th among Pennsylvania's 1,013 places, at 0.7 sq mi.
- Share of Pennsylvania: Alba holds about 0.0% of the state's population, some 137 people.
- National standing: Alba ranks 17,474th of 19,457 US places.
- Growth rank: Alba's 2020-to-2023 change ranks 84th of 1,013 places in Pennsylvania.
- State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Alba's 1.5%.
- Density in Pennsylvania: Alba ranks 951st by people per square mile.
- Against the state median: Alba runs about 203 residents per square mile, where the Pennsylvania median is 1,990.
- Location: mapped by the US Census Bureau at 41.7059, -76.8276.
- Nearest larger cities: Canton (4 mi); Troy (6 mi); Sylvania (7 mi); Burlington (13 mi); Blossburg (13 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller towns: Forksville (19 mi); Friendsville (43 mi); Oswayo (63 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 2 of them.
- Larger places within 100 miles: 416.
The geography behind Alba
Alba covers about 0.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 203 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 147 miles. Within 50 miles of Alba there are 77 larger Census places. Within the same 50 miles lie 2 smaller Census places.
Which Pennsylvania laws govern a loan in Alba
When Pennsylvania does not publish a figure, the row links to the source instead of inventing a number; Alba 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 |
| 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 |
| Payday lending status | No separate payday-lending license; non-bank lenders are limited to 6% (unlicensed) or up to 24% (CDCA-licensed), so high-cost payday loans are not permitted. Source says: "if a lender is licensed by the Department in accord with the CDCA, it can charge between 6-24% on loans under $25,000" (DoBS interpretive letter, May 11, 2023). | Pennsylvania Department of Banking and Securities as of 2026-09-16 |
How Alba compares across Pennsylvania
Among Pennsylvania's 1,013 places, Alba sits at 968th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Alba ranks 84th of 1,013 in Pennsylvania (about the 92th percentile). By density, at about 203 people per square mile, it ranks 951st in Pennsylvania. Within 50 miles sit 2 smaller Census places, alongside the 77 that are larger.
Lender access in Alba
Alba is a lightly settled community of about 137 people, with 77 larger places inside a 50-mile radius. Whether Alba has a local branch or not, a Pennsylvania-licensed lender can serve its 137 people online on the same terms. The nearest bigger place is Canton, PA about 4 miles away.
How personal loans work in Alba
A Alba personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 137 residents. Because pricing is borrower-level, two people in Alba can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Alba loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
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Nearby places
- Canton, PA — population 1,713
- Troy, PA — population 1,241
- Sylvania, PA — population 214
- Roseville, PA — population 176
- Burlington, PA — population 143
- Blossburg, PA — population 1,509
- Mansfield, PA — population 3,058
- Forksville, PA — population 109