Personal loans in DuBois, PA

DuBois by the numbers

Set out below is DuBois's local context next to the state-level rules that reach every lender here.

• Population: 7,320 residents; DuBois is the 116th-largest of 1,013 places in Pennsylvania (US Census Bureau, Vintage 2023).
• Population trend: About 2.5% below the 2020 Census base.
• People gained or lost: about 190 fewer since the 2020 base.
• Size percentile: DuBois's 7,320 people outrank roughly 89% of the places in Pennsylvania.
• Density: the Census land area of 3.2 sq mi holds about 2,274 people per square mile.
• By land area: DuBois ranks 117th among Pennsylvania's 1,013 places, at 3.2 sq mi.
• Water: DuBois holds about 0.04 square miles, the 247th-largest water area in Pennsylvania.
• State share: roughly 0.1% of Pennsylvania's residents live in DuBois (7,320 people).
• National rank: DuBois is the 3,888th most populous of the 19,457 Census places covered here.
• Growth in Pennsylvania: DuBois stands 795th by percentage change from 2020 to 2023, among 1,013 places.
• Versus Pennsylvania: the state average change is -0.9%, while DuBois moved 2.5%.
• Density in Pennsylvania: DuBois ranks 445th by people per square mile.
• Density in context: DuBois's 2,274 people per square mile sit against a Pennsylvania median of 1,990.
• Location: it lies at 41.1223, -78.7562 in the Census Gazetteer.
• Nearest larger cities: St. Marys (26 mi); Indiana (40 mi); Altoona (46 mi); State College (52 mi); Warren (54 mi). A branch is convenient; it is not what sets your APR.
• Smaller communities within reach: Falls Creek (3 mi); Sykesville (6 mi); Troutville (7 mi).
• Smaller places within 50 miles: 98 of them.
• Larger places within 100 miles: 58.

What is available to DuBois borrowers

DuBois is a fairly dense community of about 7,320 people, with 3 larger places inside a 50-mile radius. Whether DuBois has a local branch or not, a Pennsylvania-licensed lender can serve its 7,320 people online on the same terms. The nearest larger city, St. Marys, PA about 26 miles away.

Steps to take before a DuBois loan

Complete these steps first when you borrow in DuBois (7,320 residents):

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Test your amount and term in the personal loan calculator first.
3. Line up several pre-qualified offers and let the APR decide.
4. Check the Pennsylvania regulator's records to confirm the lender is licensed here.
5. Decide the purpose and how you will repay it before approaching any lender.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Look for an origination fee or prepayment penalty in the written disclosure.

What differs between DuBois and the rest of Pennsylvania is not the process but the borrower's own file, among the 7,320 people here.

How Pennsylvania law applies in DuBois

Every row below records a Pennsylvania rule, its publisher and its retrieval date — the same rules a DuBois lender must follow.

DuBois's place among Pennsylvania's 1,013 places

Against Pennsylvania's other places, DuBois accounts for about 0.1% of the state's population and ranks 116th of 1,013 by size. On the 2020-to-2023 trend, DuBois stands 795th among Pennsylvania's 1,013 places — roughly the 22th percentile. By density, at about 2,274 people per square mile, it ranks 445th in Pennsylvania. The population moved by about 190 people between 2020 and 2023, a 2.5% shift.

What a DuBois borrower is actually offered

Most loans made to DuBois's 7,320 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than DuBois's rank of 116th in Pennsylvania: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in DuBois decides the split between a comfortable payment and the total interest you pay.