Personal loans in Pine Grove, PA

Pine Grove is a small community of about 2,061 residents, and a personal loan taken out here is governed by Pennsylvania statute. Decide the purpose of the loan and your repayment plan before sharing any details with a Pine Grove lender. Roughly 2,061 residents live in Pine Grove, the 418th-largest community in Pennsylvania. When Pennsylvania caps or restricts a product, lenders either change the terms or withdraw it from Pine Grove as from the rest of the state. Census figures put the 2020-to-2023 increase in Pine Grove at about 0.5%. The nearest larger city is Minersville, PA about 12 miles away.

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.

Borrowing in Pine Grove: the local picture

Here is the sourced Census picture for Pine Grove, plus the Pennsylvania lending rules that apply to a loan taken out here.

How lenders reach Pine Grove

Pine Grove is moderately settled, with about 1,935 people per square mile and 113 larger places within 50 miles. A Pennsylvania licence lets a lender serve Pine Grove without a local office, so branch density does not change what its 2,061 residents are offered. The nearest bigger place is Minersville, PA about 12 miles away.

Inside a Pine Grove personal loan

Most loans made to Pine Grove's 2,061 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Pine Grove lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Pine Grove loan is knowable in advance — unlike a revolving card balance.

Pine Grove: area, density and distance

Pine Grove's land area is roughly 1.1 square miles, and the Gazetteer records no significant water area within it. With 2,061 residents, the land area yields roughly 1,935 people per square mile. Philadelphia, the largest place in Pennsylvania, is about 76 miles from Pine Grove. Counting outward 50 miles, 113 larger communities surround Pine Grove. Within the same 50 miles lie 106 smaller Census places.

What Pennsylvania law requires in Pine Grove

When Pennsylvania does not publish a figure, the row links to the source instead of inventing a number; Pine Grove is bound by the same rules.

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
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
Small-loan / installment lender licensingConsumer Discount Company Act license required for non-mortgage consumer loans above 6%; licensed lenders may charge up to 24% on loans of $25,000 or less.
Source says: "A consumer discount company is a business corporation that negotiates or makes non-mortgage loans or advances of money on credit."
Pennsylvania Department of Banking and Securities
as of 2026-09-16

Where Pine Grove sits in Pennsylvania

Within Pennsylvania, Pine Grove holds roughly 0.0% of all residents, the 418th-largest share among 1,013 places. Its 2020-to-2023 change ranks 154th of 1,013 Pennsylvania places, putting it near the 85th percentile for growth. Its roughly 1,935 residents per square mile place it 523rd among Pennsylvania's places. In land area, Pine Grove ranks 411th among Pennsylvania's 1,013 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 Pine Grove 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 Pine Grove is the same as anywhere in Pennsylvania.
What loan size can I expect in Pine Grove?
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 Pine Grove?
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 Pine Grove 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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