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Personal loans in Barkeyville, PA

Barkeyville counts about 185 people, and what is genuinely local about borrowing here is limited — Pennsylvania law does the governing. An estimated 185 people make their home in Barkeyville, a figure that ranks 940th in Pennsylvania. Population in Barkeyville dropped about 2.6% over the three years from 2020 to 2023. Begin with the payment, then weigh APR and total interest across the lenders that reach Barkeyville's 185 residents. The closest larger city is Harrisville, PA about 4 miles away. State law, not city hall, decides what a lender may do to Barkeyville's roughly 185 residents, and a state regulator supervises it.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

Borrowing in Barkeyville: the local picture

Read the local figures below as context; read the sourced Pennsylvania table as the rulebook a lender here must follow.

Steps to take before a Barkeyville loan

Before you hand your details to a lender in Barkeyville, where the population is near 185:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Verify the lender's Pennsylvania licence with the regulator listed on this page.
  5. Be clear on what the loan is for and how it gets repaid.
  6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  7. Look for an origination fee or prepayment penalty in the written disclosure.

What differs between Barkeyville and the rest of Pennsylvania is not the process but the borrower's own file, among the 185 people here.

The geography behind Barkeyville

Inside Barkeyville's boundaries lie about 3.3 square miles of land, with no significant water area recorded. The resulting density is about 56 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 267 miles. Counting outward 50 miles, 186 larger communities surround Barkeyville. By land area it ranks 115th of 1,013 Pennsylvania places.

Barkeyville against the rest of Pennsylvania

Against Pennsylvania's other places, Barkeyville accounts for about 0.0% of the state's population and ranks 940th of 1,013 by size. Its 2020-to-2023 change ranks 828th of 1,013 Pennsylvania places, putting it near the 18th percentile for growth. At about 56 people per square mile, Barkeyville is the 999th most densely settled place in Pennsylvania. Within 50 miles sit 25 smaller Census places, alongside the 186 that are larger.

How personal loans work in Barkeyville

With roughly 185 residents, Barkeyville is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Barkeyville lender to disclose the APR and finance charge before you sign. Shortening the term on a Barkeyville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What Pennsylvania law requires in Barkeyville

These are Pennsylvania's sourced lending facts as they reach Barkeyville's 185 residents; the state has no city-level rate rule.

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
Compare personal loan offers Run the numbers first

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