Personal loans in Manns Choice, PA
The first question in Manns Choice is not the rate on offer but whether the payment fits; about 310 people live here under Pennsylvania lending law. At about 310 residents, Manns Choice is larger than roughly 15% of the places in Pennsylvania. Census figures put the 2020-to-2023 decrease in Manns Choice at about 1.3%. If debt is already a strain, a nonprofit credit counsellor can help Manns Choice residents before they take on more. A larger market lies at Schellsburg, PA about 4 miles away. Every figure below is Pennsylvania's own, applied to Manns Choice's 310 residents, with the publisher and retrieval date attached.
Manns Choice: the sourced local profile
Most of what governs a Manns Choice loan is written in Pennsylvania law rather than in the city; the sourced notes below make that split concrete.
- Population: a Census-estimated 310, 863rd among Pennsylvania's 1,013 places (Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 1.3%.
- Change in people: the 2020-to-2023 comparison is a loss of about 4 residents.
- Size percentile: about 15% of Pennsylvania's Census places are smaller than Manns Choice.
- Land and density: 0.5 square miles of land carry roughly 619 residents per square mile.
- By land area: Manns Choice ranks 734th among Pennsylvania's 1,013 places, at 0.5 sq mi.
- Share of Pennsylvania: Manns Choice holds about 0.0% of the state's population, some 310 people.
- National standing: Manns Choice ranks 15,013th of 19,457 US places.
- Growth rank: Manns Choice's 2020-to-2023 change ranks 504th of 1,013 places in Pennsylvania.
- Against the state trend: Manns Choice's 1.3% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density rank: Manns Choice is the 823rd most densely settled place in Pennsylvania.
- Against the state median: Manns Choice runs about 619 residents per square mile, where the Pennsylvania median is 1,990.
- Location: 40.0033, -78.5908 (Census Gazetteer coordinates).
- Nearest larger cities: Schellsburg (4 mi); Bedford (5 mi); Everett (12 mi); Central City (13 mi); Hyndman (14 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller towns nearby: New Paris (8 mi); Rainsburg (8 mi); New Baltimore (10 mi).
- Smaller places within 50 miles: 46 of them.
- At 100 miles: 505 larger Census places fall inside that radius.
Pennsylvania rules behind a Manns Choice personal loan
The rows below set out what a licensed lender must follow in Pennsylvania, and so for Manns Choice's roughly 310 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 |
The anatomy of a Manns Choice personal loan
A Manns Choice personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 310 residents. A lender serving Manns Choice's 310 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Manns Choice loan but raises total interest, so the smallest payment is not the cheapest loan.
Manns Choice's place among Pennsylvania's 1,013 places
Manns Choice is the 863rd-largest of 1,013 Census places in Pennsylvania and contains about 0.0% of the state's people. For population change between 2020 and 2023, Manns Choice ranks 504th of 1,013 in Pennsylvania (about the 50th percentile). Its roughly 619 residents per square mile place it 823rd among Pennsylvania's places. Within 50 miles sit 46 smaller Census places, alongside the 94 that are larger.
What is available to Manns Choice borrowers
With about 619 residents per square mile, Manns Choice is moderately settled, and 94 larger Census places sit within 50 miles. Lenders licensed in Pennsylvania reach Manns Choice's 310 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Schellsburg, PA about 4 miles away.
Land, water and location for Manns Choice
Manns Choice's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. That land carries about 619 people per square mile. The largest place in Pennsylvania, Philadelphia, lies about 183 miles away. Manns Choice has 94 larger places within a 50-mile radius. Within the same 50 miles lie 46 smaller Census places.
Common questions
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Nearby places
- Schellsburg, PA — population 327
- Bedford, PA — population 2,830
- New Paris, PA — population 191
- Rainsburg, PA — population 137
- St. Clairsville, PA — population 75
- Pleasantville, PA — population 195
- New Baltimore, PA — population 134
- Hyndman, PA — population 852