Personal loans in Rome, PA

Rome is one of 1,013 Census places in Pennsylvania; its 381 residents put it at 822nd. Read the disclosure for an origination fee and any prepayment penalty before signing in Rome. Rate ceilings, licensing requirements and product limits for Rome are all set at the Pennsylvania level. The next larger city is Towanda, PA about 8 miles away.

Rome: population, trend and location

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

• Population: the Census counts 381 residents in Rome (Vintage 2023 subcounty estimate), the 822nd-largest figure among Pennsylvania's 1,013 places.
• Population trend: The 2020-to-2023 change is negative, near 1.0%.
• Absolute change: 4 residents lost between 2020 and 2023.
• Size percentile: about 19% of Pennsylvania's Census places are smaller than Rome.
• Population density: 734 people per square mile on 0.5 square miles of land.
• By land area: Rome ranks 714th among Pennsylvania's 1,013 places, at 0.5 sq mi.
• Water: Rome holds about 0.01 square miles, the 394th-largest water area in Pennsylvania.
• State population share: Rome accounts for about 0.0% of everyone in Pennsylvania.
• National rank: Rome is 14,279th of 19,457 places nationwide.
• Growth in Pennsylvania: Rome stands 460th by percentage change from 2020 to 2023, among 1,013 places.
• Versus Pennsylvania: the state average change is -0.9%, while Rome moved 1.0%.
• Density rank: Rome places 794th among Pennsylvania's places by people per square mile.
• Density vs Pennsylvania: Rome's 734 people per square mile compare with a state median of 1,990.
• Location: the Census Gazetteer records it at 41.8580, -76.3411.
• Nearest larger cities: Towanda (8 mi); Athens (10 mi); Nichols (11 mi); Monroe (12 mi); Sayre (13 mi). Living near a larger metro rarely changes what is available in Rome.
• Smaller towns nearby: LeRaysville (9 mi); Little Meadows (14 mi); Burlington (15 mi).
• Within a 50-mile radius: 23 smaller Census places.
• Larger places within 100 miles: 380.

Borrowing reach in Rome

Rome is moderately settled, with about 734 people per square mile and 104 larger places within 50 miles. Distance to a branch rarely matters for Rome's 381 residents: the application is online and the price follows your credit file. The nearest larger city, Towanda, PA about 8 miles away.

How Pennsylvania law applies in Rome

Pennsylvania has no separate rate rule for Rome; the sourced rows below are what reach every lender that serves its 381 people.

Rome: area, density and distance

The Census Gazetteer records 0.5 square miles of land and 0.01 square miles of water within Rome. With 381 residents, the land area yields roughly 734 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 142 miles. Within 50 miles of Rome there are 104 larger Census places. By land area it ranks 714th of 1,013 Pennsylvania places.

How a Rome personal loan is priced

With roughly 381 residents, Rome is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Rome can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Rome loan but raises total interest, so the smallest payment is not the cheapest loan.

What to do before borrowing in Rome

For Rome's roughly 381 residents, these are the steps that most influence the offer:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Test your amount and term in the personal loan calculator first.
3. Shop at least three lenders and judge them on APR and total cost.
4. Confirm the lender holds a Pennsylvania licence by checking the regulator named above.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Pick the shortest term whose payment you can comfortably afford.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

What differs between Rome and the rest of Pennsylvania is not the process but the borrower's own file, among the 381 people here.