Personal loans in Avis, PA

With 1,460 residents, Avis outranks about 50% of the communities in Pennsylvania. From the 2020 Census base to the 2023 estimate, the population declined by about 0.9%.

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.

With roughly 1,460 residents, Avis is a small community, and the lending rules its borrowers live under are written in Pennsylvania, not by the city. When Pennsylvania caps or restricts a product, lenders either change the terms or withdraw it from Avis as from the rest of the state. Work out your debt-to-income ratio first; lenders weigh it heavily, and Avis's 1,460 residents are no exception. The closest larger city is Jersey Shore, PA about 3 miles away.

Avis: 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.

Land, water and location for Avis

Avis's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. With 1,460 residents, the land area yields roughly 2,949 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 140 miles. Within 50 miles of Avis there are 31 larger Census places. The 100-mile radius contains 250 larger places.

Avis against the rest of Pennsylvania

Among Pennsylvania's 1,013 places, Avis sits at 505th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 440th of 1,013 Pennsylvania places, putting it near the 57th percentile for growth. At about 2,949 people per square mile, Avis is the 331st most densely settled place in Pennsylvania. Between 2020 and 2023 the count changed by roughly 14 residents.

A pre-application checklist for Avis

Before you hand your details to a lender in Avis, where the population is near 1,460:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the lender holds a Pennsylvania licence by checking the regulator named above.
  5. Pick the shortest term whose payment you can comfortably afford.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Decide the purpose and how you will repay it before approaching any lender.

In Avis as elsewhere in Pennsylvania, the written terms — not the advertisement — are what count for its 1,460 residents.

How Pennsylvania law applies in Avis

This table holds the Pennsylvania rate and licensing rules for consumer loans made to Avis's 1,460 residents.

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
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
Small-loan / installment lender licensingConsumer 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

How a Avis personal loan is priced

Avis is a small community of about 1,460 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Avis can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Avis loan is knowable in advance — unlike a revolving card balance.

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