Personal loans in Kane, PA
If you are weighing a personal loan in Kane, start from the payment you can carry; its 3,499 residents face the same statewide rules. Population in Kane dropped about 3.6% over the three years from 2020 to 2023.
By population, Kane sits at 278th in Pennsylvania, with an estimated 3,499 residents. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Kane loan. A single loan can carry different costs on either side of a state line, and Kane sits on the Pennsylvania side of that line. The next larger city is Ridgway, PA about 17 miles away.
What the Census records for Kane
The figures below are Kane's own — Census population, land area and coordinates — followed by the Pennsylvania rules.
- Population: an estimated 3,499 residents, 278th of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 3.6% fewer residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a loss of about 130 residents.
- Size percentile: bigger than about 73% of the places in Pennsylvania, with 3,499 residents in Kane.
- Population density: about 2,236 people per square mile across 1.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Kane covers 1.6 square miles, the 296th-largest area among Pennsylvania's 1,013 places.
- Share of state population: Kane's 3,499 residents are about 0.1% of Pennsylvania.
- Nationally: Kane is the 5,827th-largest of 19,457 Census places in the dataset.
- Growth rank: Kane's 2020-to-2023 change ranks 926th of 1,013 places in Pennsylvania.
- Against the state trend: Kane's 3.6% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density rank: Kane is the 452nd most densely settled place in Pennsylvania.
- Density in context: Kane's 2,236 people per square mile sit against a Pennsylvania median of 1,990.
- Location: coordinates 41.6630, -78.8090 (US Census Bureau Gazetteer).
- Nearest larger cities: Ridgway (17 mi); St. Marys (21 mi); Warren (21 mi); Bradford (22 mi); Salamanca (35 mi). Lenders licensed in the state serve Kane whether or not they keep a local branch.
- Smaller communities within reach: Mount Jewett (10 mi); Johnsonburg (14 mi); Lewis Run (16 mi).
- Smaller places within 50 miles: 52 of them.
- Within 100 miles: 87 places are larger than Kane.
Kane on the map
Kane's land area is roughly 1.6 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 2,236 residents per square mile. The largest place in Pennsylvania, Philadelphia, lies about 224 miles away. A 50-mile radius around Kane takes in 14 places that are larger. The 100-mile radius contains 87 larger places.
Inside a Kane personal loan
Most loans made to Kane's 3,499 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 Kane. Shortening the term on a Kane loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Pennsylvania consumer-lending rules applied in Kane
The rows below set out what a licensed lender must follow in Pennsylvania, and so for Kane's roughly 3,499 residents.
| 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 |
| 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 |
| Payday lending status | No separate payday-lending license; non-bank lenders are limited to 6% (unlicensed) or up to 24% (CDCA-licensed), so high-cost payday loans are not permitted. Source says: "if a lender is licensed by the Department in accord with the CDCA, it can charge between 6-24% on loans under $25,000" (DoBS interpretive letter, May 11, 2023). | Pennsylvania Department of Banking and Securities as of 2026-09-16 |
Kane against the rest of Pennsylvania
Set beside Pennsylvania's 1,013 places, Kane ranks 278th by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, Kane stands 926th among Pennsylvania's 1,013 places — roughly the 9th percentile. Its roughly 2,236 residents per square mile place it 452nd among Pennsylvania's places. Within 50 miles sit 52 smaller Census places, alongside the 14 that are larger.
What is available to Kane borrowers
At roughly 2,236 people per square mile, Kane is fairly dense; 14 larger places lie within 50 miles. Distance to a branch rarely matters for Kane's 3,499 residents: the application is online and the price follows your credit file. The nearest larger city, Ridgway, PA about 17 miles away.
Common questions
What are my options in Kane if my credit is poor?
What loan size can I expect in Kane?
Do I have to pledge anything to borrow in Kane?
Does comparing loans in Kane cost me credit score points?
Nearby places
- Mount Jewett, PA — population 823
- Johnsonburg, PA — population 2,329
- Ridgway, PA — population 3,938
- Lewis Run, PA — population 559
- Clarendon, PA — population 401
- Bradford, PA — population 7,560
- St. Marys, PA — population 12,399
- Warren, PA — population 9,125