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.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

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.

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.

RuleDetailSource
State lending regulatorPennsylvania 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 statusNo 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.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Manns Choice if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Manns Choice is the same as anywhere in Pennsylvania.
What loan size can I expect in Manns Choice?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Manns Choice?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Manns Choice cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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