Personal loans in Blooming Valley, PA
With roughly 340 residents, Blooming Valley is a small community, and the lending rules its borrowers live under are written in Pennsylvania, not by the city.
The Census counts 340 people in Blooming Valley, the 844th-largest figure among Pennsylvania's 1,013 places. The trend for Blooming Valley between 2020 and 2023 is downward by roughly 0.6%. A single loan can carry different costs on either side of a state line, and Blooming Valley sits on the Pennsylvania side of that line. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Blooming Valley loan. The nearest larger city is Saegertown, PA about 6 miles away.
Local context for Blooming Valley
Only a few things actually differ by place — population, area, location, and the Pennsylvania rules a lender must follow — and they are below.
- Population: 340 people, a figure that places Blooming Valley 844th among the 1,013 Census places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 0.6%.
- Change in people: the 2020-to-2023 comparison is a loss of about 2 residents.
- Size percentile: about 17% of Pennsylvania communities are smaller than Blooming Valley (340 residents).
- Density: roughly 168 residents per square mile, spread over 2.0 sq mi of land.
- Land area rank: Blooming Valley's 2.0 square miles rank 213th of 1,013 places in Pennsylvania.
- Water area rank: Blooming Valley ranks 331st among Pennsylvania's 1,013 places, with 0.02 sq mi.
- State share: roughly 0.0% of Pennsylvania's residents live in Blooming Valley (340 people).
- National rank: Blooming Valley is the 14,674th most populous of the 19,457 Census places covered here.
- Growth rank: Blooming Valley ranks 362nd among Pennsylvania's 1,013 places for the 2020-to-2023 change.
- State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Blooming Valley's 0.6%.
- Density rank: Blooming Valley places 959th among Pennsylvania's places by people per square mile.
- Density vs Pennsylvania: Blooming Valley's 168 people per square mile compare with a state median of 1,990.
- Location: coordinates 41.6770, -80.0309 (US Census Bureau Gazetteer).
- Nearest larger cities: Saegertown (6 mi); Meadville (6 mi); Cambridge Springs (9 mi); Cochranton (11 mi); Mill Village (14 mi). Online lenders reach Blooming Valley no matter how far the nearest branch is.
- Smaller places close by: Woodcock (6 mi); Townville (8 mi); Venango (8 mi).
- Smaller neighbours: 26 places smaller than Blooming Valley sit within 50 miles.
- At 100 miles: 480 larger Census places fall inside that radius.
Land, water and location for Blooming Valley
Inside Blooming Valley's boundaries lie roughly 2.0 square miles of land and 0.02 square miles of water. With 340 residents, the land area yields roughly 168 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 281 miles away. Blooming Valley has 83 larger places within a 50-mile radius. By land area it ranks 213th of 1,013 Pennsylvania places.
What to do before borrowing in Blooming Valley
A sensible order of operations for a loan in Blooming Valley, home to about 340 people:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Use the loan calculator to test the payment on your intended amount and term.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Make sure the lender appears in the Pennsylvania regulator's licence list.
- Test the payment against your current bills before you commit.
- Pick the shortest term whose payment you can comfortably afford.
- Borrow only what the purpose requires, not the maximum you are offered.
The process is identical across Pennsylvania; what changes is your credit file, not the fact that Blooming Valley holds 340 people.
Blooming Valley's place among Pennsylvania's 1,013 places
Blooming Valley is the 844th-largest of 1,013 Census places in Pennsylvania and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Blooming Valley stands 362nd among Pennsylvania's 1,013 places — roughly the 64th percentile. By density, at about 168 people per square mile, it ranks 959th in Pennsylvania. Between 2020 and 2023 the count changed by roughly 2 residents.
Pennsylvania consumer-lending rules applied in Blooming Valley
Pennsylvania has no separate rate rule for Blooming Valley; the sourced rows below are what reach every lender that serves its 340 people.
| 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 Blooming Valley
Blooming Valley is a lightly settled community of about 340 people, with 83 larger places inside a 50-mile radius. A Pennsylvania licence lets a lender serve Blooming Valley without a local office, so branch density does not change what its 340 residents are offered. The nearest larger city, Saegertown, PA about 6 miles away.
Common questions
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Nearby places
- Woodcock, PA — population 135
- Saegertown, PA — population 851
- Meadville, PA — population 12,361
- Venango, PA — population 207
- Cambridge Springs, PA — population 2,320
- Townville, PA — population 319
- Cochranton, PA — population 1,099
- Mill Village, PA — population 386