Personal loans in East Conemaugh, PA
East Conemaugh is home to roughly 1,057 people and stands 588th by size out of 1,013 Census places in Pennsylvania. East Conemaugh counts about 1,057 people, and what is genuinely local about borrowing here is limited — Pennsylvania law does the governing. Census figures put the 2020-to-2023 decrease in East Conemaugh at about 2.5%. Begin with the payment, then weigh APR and total interest across the lenders that reach East Conemaugh's 1,057 residents. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach East Conemaugh's 1,057 residents. The nearest larger city is Johnstown, PA about 2 miles away.
Local context for East Conemaugh
Most of what governs a East Conemaugh loan is written in Pennsylvania law rather than in the city; the sourced notes below make that split concrete.
- Population: 1,057 residents; East Conemaugh is the 588th-largest of 1,013 places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: Roughly 2.5% fewer residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a loss of about 27 residents.
- Size percentile: East Conemaugh's 1,057 people outrank roughly 42% of the places in Pennsylvania.
- Population density: 3,844 people per square mile on 0.3 square miles of land.
- Land area: East Conemaugh covers 0.3 square miles, the 892nd-largest area among Pennsylvania's 1,013 places.
- Share of state population: East Conemaugh's 1,057 residents are about 0.0% of Pennsylvania.
- National rank: East Conemaugh sits 9,996th by population among the 19,457 places in this dataset.
- Growth in Pennsylvania: East Conemaugh stands 778th by percentage change from 2020 to 2023, among 1,013 places.
- Against the state trend: East Conemaugh's 2.5% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density in Pennsylvania: East Conemaugh ranks 208th by people per square mile.
- Density in context: East Conemaugh's 3,844 people per square mile sit against a Pennsylvania median of 1,990.
- Location: 40.3476, -78.8861 (Census Gazetteer coordinates).
- Nearest larger cities: Johnstown (2 mi); Southmont (4 mi); Geistown (4 mi); Westmont (4 mi); Ferndale (4 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller towns nearby: Franklin (0 mi); Daisytown (2 mi); Dale (3 mi).
- Smaller places within 50 miles: 124 of them.
- Larger places within 100 miles: 303.
Which Pennsylvania laws govern a loan in East Conemaugh
Read the table as a lender's compliance picture for East Conemaugh: the rule, the sourced figure, the publisher and the date.
| 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 |
| Small-loan / installment lender licensing | Consumer 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 |
| 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 |
Lender access in East Conemaugh
With about 3,844 residents per square mile, East Conemaugh is fairly dense, and 83 larger Census places sit within 50 miles. Whether East Conemaugh has a local branch or not, a Pennsylvania-licensed lender can serve its 1,057 people online on the same terms. The nearest bigger place is Johnstown, PA about 2 miles away.
Where East Conemaugh sits
East Conemaugh covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 3,844 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 199 miles. East Conemaugh has 83 larger places within a 50-mile radius. The 100-mile radius contains 303 larger places.
East Conemaugh in state context
Against Pennsylvania's other places, East Conemaugh accounts for about 0.0% of the state's population and ranks 588th of 1,013 by size. Its 2020-to-2023 change ranks 778th of 1,013 Pennsylvania places, putting it near the 23th percentile for growth. Its roughly 3,844 residents per square mile place it 208th among Pennsylvania's places. Between 2020 and 2023 the count changed by roughly 27 residents.
How personal loans work in East Conemaugh
Most loans made to East Conemaugh's 1,057 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in East Conemaugh. A longer term lowers the monthly payment on a East Conemaugh loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
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Nearby places
- Franklin, PA — population 269
- Daisytown, PA — population 285
- Johnstown, PA — population 17,950
- Dale, PA — population 964
- Lorain, PA — population 579
- Brownstown, PA — population 678
- Geistown, PA — population 2,303
- Southmont, PA — population 1,996