Personal loans in Coal Center, PA
With 110 residents, Coal Center outranks about 3% of the communities in Pennsylvania. Census figures show Coal Center holding steady across 2020 to 2023.
The roughly 110 people who live in Coal Center borrow under Pennsylvania rules; city hall sets no personal-loan rate. When Pennsylvania caps or restricts a product, lenders either change the terms or withdraw it from Coal Center as from the rest of the state. Begin with the payment, then weigh APR and total interest across the lenders that reach Coal Center's 110 residents. A larger market lies at Newell, PA about 1 miles away.
Coal Center by the numbers
Set out below is Coal Center's local context next to the state-level rules that reach every lender here.
- Population: about 110, ranked 983rd of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly level with the 2020 Census base.
- Size percentile: Coal Center's 110 people outrank roughly 3% of the places in Pennsylvania.
- Land and density: 0.1 square miles of land carry roughly 965 residents per square mile.
- Land area: Coal Center covers 0.1 square miles, the 981st-largest area among Pennsylvania's 1,013 places.
- Water area rank: Coal Center ranks 325th among Pennsylvania's 1,013 places, with 0.02 sq mi.
- Within Pennsylvania: about 0.0% of the state's population lives in Coal Center.
- National rank: Coal Center sits 17,953rd by population among the 19,457 places in this dataset.
- Growth rank: Coal Center's 2020-to-2023 change ranks 239th of 1,013 places in Pennsylvania.
- Against the state trend: Coal Center's 0.0% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density rank: Coal Center is the 741st most densely settled place in Pennsylvania.
- Density vs Pennsylvania: Coal Center's 965 people per square mile compare with a state median of 1,990.
- Location: 40.0700, -79.9012 (Census Gazetteer coordinates).
- Nearest larger cities: Newell (1 mi); California (1 mi); Elco (1 mi); Roscoe (2 mi); Long Branch (2 mi). Larger metros often have more branches, but online lenders reach Coal Center on the same terms.
- Smaller places close by: Green Hills (22 mi); Ohiopyle (26 mi); Donegal (28 mi).
- Smaller places within 50 miles: 7 of them.
- Within 100 miles: 666 places are larger than Coal Center.
Coal Center: area, density and distance
Inside Coal Center's boundaries lie roughly 0.1 square miles of land and 0.02 square miles of water. That land carries about 965 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 252 miles away. A 50-mile radius around Coal Center takes in 285 places that are larger. The 100-mile radius contains 666 larger places.
What shapes a Coal Center personal loan
A Coal Center personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 110 residents. A lender serving Coal Center's 110 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Coal Center loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Lender access in Coal Center
Coal Center is a moderately settled community of about 110 people, with 285 larger places inside a 50-mile radius. What is available to Coal Center's 110 borrowers is set by Pennsylvania licensing and your own credit, not by how many branches are nearby. The nearest larger city, Newell, PA about 1 miles away.
Where Coal Center sits in Pennsylvania
Set beside Pennsylvania's 1,013 places, Coal Center ranks 983rd by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 239th of 1,013 Pennsylvania places, putting it near the 76th percentile for growth. At about 965 people per square mile, Coal Center is the 741st most densely settled place in Pennsylvania. Within 50 miles sit 7 smaller Census places, alongside the 285 that are larger.
Pennsylvania rules behind a Coal Center personal loan
Pennsylvania has no separate rate rule for Coal Center; the sourced rows below are what reach every lender that serves its 110 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 |
Common questions
What are my options in Coal Center if my credit is poor?
What loan size can I expect in Coal Center?
Do I have to pledge anything to borrow in Coal Center?
Does comparing loans in Coal Center cost me credit score points?
Nearby places
- Newell, PA — population 493
- California, PA — population 4,639
- Elco, PA — population 260
- Long Branch, PA — population 414
- Roscoe, PA — population 707
- West Brownsville, PA — population 971
- Allenport, PA — population 478
- Twilight, PA — population 213