Personal loans in Forest Hills, PA
The first question in Forest Hills is not the rate on offer but whether the payment fits; about 6,189 people live here under Pennsylvania lending law. Forest Hills ranks 140th of 1,013 places in Pennsylvania, with a population near 6,189. Forest Hills shed about 3.7% of its population between the 2020 base and the 2023 estimate. Use the calculator on this page to price an amount and term before you commit in Forest Hills. For a bigger market, look to Wilkinsburg, PA about 2 miles away. Consumer lending that reaches Forest Hills's 6,189 residents is governed by Pennsylvania statute; no city ordinance changes it.
What the Census records for Forest Hills
Here is the sourced Census picture for Forest Hills, plus the Pennsylvania lending rules that apply to a loan taken out here.
- Population: 6,189 residents; Forest Hills is the 140th-largest of 1,013 places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: A loss of roughly 3.7% between 2020 and 2023.
- Absolute change: 241 residents lost between 2020 and 2023.
- Size percentile: with 6,189 residents, Forest Hills is larger than about 86% of Pennsylvania's Census places.
- Population density: 3,955 people per square mile on 1.6 square miles of land.
- Land area: Forest Hills covers 1.6 square miles, the 295th-largest area among Pennsylvania's 1,013 places.
- State share: roughly 0.1% of Pennsylvania's residents live in Forest Hills (6,189 people).
- National rank: Forest Hills is 4,279th of 19,457 places nationwide.
- Growth in Pennsylvania: Forest Hills stands 961st by percentage change from 2020 to 2023, among 1,013 places.
- Against the state trend: Forest Hills's 3.7% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density rank: Forest Hills is the 193rd most densely settled place in Pennsylvania.
- Density vs Pennsylvania: Forest Hills's 3,955 people per square mile compare with a state median of 1,990.
- Location: the Census Gazetteer records it at 40.4251, -79.8545.
- Nearest larger cities: Wilkinsburg (2 mi); Swissvale (2 mi); Munhall (3 mi); Monroeville (5 mi); West Mifflin (5 mi). Lenders licensed in the state serve Forest Hills whether or not they keep a local branch.
- Smaller places nearby: Braddock Hills (1 mi); Churchill (1 mi); Chalfant (1 mi).
- Within a 50-mile radius: 273 smaller Census places.
- Larger places within 100 miles: 90.
A pre-application checklist for Forest Hills
For Forest Hills's roughly 6,189 residents, these are the steps that most influence the offer:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Shop at least three lenders and judge them on APR and total cost.
- Check the Pennsylvania regulator's records to confirm the lender is licensed here.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Test the payment against your current bills before you commit.
The process is identical across Pennsylvania; what changes is your credit file, not the fact that Forest Hills holds 6,189 people.
How Forest Hills compares across Pennsylvania
Against Pennsylvania's other places, Forest Hills accounts for about 0.1% of the state's population and ranks 140th of 1,013 by size. For population change between 2020 and 2023, Forest Hills ranks 961st of 1,013 in Pennsylvania (about the 5th percentile). At about 3,955 people per square mile, Forest Hills is the 193rd most densely settled place in Pennsylvania. The population moved by about 241 people between 2020 and 2023, a 3.7% shift.
The anatomy of a Forest Hills personal loan
Most loans made to Forest Hills's 6,189 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Forest Hills loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Forest Hills loan but raises total interest, so the smallest payment is not the cheapest loan.
How Pennsylvania law applies in Forest Hills
These are Pennsylvania's sourced lending facts as they reach Forest Hills's 6,189 residents; the state has no city-level rate rule.
| 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 |
Forest Hills: area, density and distance
Forest Hills's land area is roughly 1.6 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 3,955 residents per square mile. Philadelphia, the largest place in Pennsylvania, is about 251 miles from Forest Hills. Within 50 miles of Forest Hills there are 45 larger Census places. The 100-mile radius contains 90 larger places.
Common questions
What are my options in Forest Hills if my credit is poor?
What loan size can I expect in Forest Hills?
Do I have to pledge anything to borrow in Forest Hills?
Does comparing loans in Forest Hills cost me credit score points?
Nearby places
- Braddock Hills, PA — population 1,666
- Churchill, PA — population 3,035
- Chalfant, PA — population 719
- North Braddock, PA — population 4,153
- Wilkinsburg, PA — population 13,813
- Braddock, PA — population 1,670
- Edgewood, PA — population 3,026
- Rankin, PA — population 1,820