Personal loans in Mill Village, PA
Mill Village, Pennsylvania — home to about 386 people — is a small community, so the terms you are offered follow Pennsylvania law rather than any local rule.
An estimated 386 people make their home in Mill Village, a figure that ranks 820th in Pennsylvania. A 2020-to-2023 comparison shows Mill Village down by about 2.0%. Judge Mill Village offers on total cost, not on how quickly the money arrives. The next larger city is Waterford, PA about 5 miles away. State law, not city hall, decides what a lender may do to Mill Village's roughly 386 residents, and a state regulator supervises it.
What the Census records for Mill Village
Only a few things actually differ by place — population, area, location, and the Pennsylvania rules a lender must follow — and they are below.
- Population: the Census counts 386 residents in Mill Village (Vintage 2023 subcounty estimate), the 820th-largest figure among Pennsylvania's 1,013 places.
- Population trend: Down about 2.0% from the 2020 Census base to the 2023 estimate.
- Net change: roughly 8 fewer people than the 2020 Census counted.
- Size percentile: Mill Village sits ahead of around 19% of Pennsylvania places, at 386 people.
- Land and density: 0.9 square miles of land carry roughly 420 residents per square mile.
- By land area: Mill Village ranks 483rd among Pennsylvania's 1,013 places, at 0.9 sq mi.
- State share: roughly 0.0% of Pennsylvania's residents live in Mill Village (386 people).
- National standing: Mill Village ranks 14,229th of 19,457 US places.
- Growth rank: Mill Village ranks 656th among Pennsylvania's 1,013 places for the 2020-to-2023 change.
- Against the state trend: Mill Village's 2.0% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density rank: Mill Village places 891st among Pennsylvania's places by people per square mile.
- Density in context: Mill Village's 420 people per square mile sit against a Pennsylvania median of 1,990.
- Location: it lies at 41.8775, -79.9726 in the Census Gazetteer.
- Nearest larger cities: Waterford (5 mi); Union City (7 mi); Cambridge Springs (7 mi); Edinboro (8 mi); McKean (12 mi). Online lenders reach Mill Village no matter how far the nearest branch is.
- Smaller places nearby: Venango (10 mi); Woodcock (10 mi); Elgin (12 mi).
- Smaller neighbours: 17 places smaller than Mill Village sit within 50 miles.
- Within 100 miles: 369 places are larger than Mill Village.
How Mill Village compares across Pennsylvania
Set beside Pennsylvania's 1,013 places, Mill Village ranks 820th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Mill Village stands 656th among Pennsylvania's 1,013 places — roughly the 35th percentile. Its roughly 420 residents per square mile place it 891st among Pennsylvania's places. By land area, its 0.9 square miles rank 483rd of 1,013 places in Pennsylvania.
Pennsylvania rules behind a Mill Village personal loan
When Pennsylvania does not publish a figure, the row links to the source instead of inventing a number; Mill Village is bound by the same rules.
| 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 |
What to do before borrowing in Mill Village
Before you hand your details to a lender in Mill Village, where the population is near 386:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Line up several pre-qualified offers and let the APR decide.
- Check the Pennsylvania regulator's records to confirm the lender is licensed here.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Make sure the new payment leaves room in a budget you already keep.
The process is identical across Pennsylvania; what changes is your credit file, not the fact that Mill Village holds 386 people.
How personal loans work in Mill Village
A Mill Village personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 386 residents. Federal Truth in Lending rules require a Mill Village lender to disclose the APR and finance charge before you sign. The term you choose in Mill Village decides the split between a comfortable payment and the total interest you pay.
Mill Village on the map
Mill Village's land area is roughly 0.9 square miles, and the Gazetteer records no significant water area within it. With 386 residents, the land area yields roughly 420 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 284 miles. A 50-mile radius around Mill Village takes in 62 places that are larger. Within the same 50 miles lie 17 smaller Census places.
Common questions
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Nearby places
- Waterford, PA — population 1,446
- Cambridge Springs, PA — population 2,320
- Union City, PA — population 2,866
- Edinboro, PA — population 5,821
- Woodcock, PA — population 135
- Venango, PA — population 207
- McKean, PA — population 477
- Blooming Valley, PA — population 340