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.

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.

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.

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.

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
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 statusNo 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.

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

Nearby places

Related