Personal loans in Rouseville, PA

A personal loan in Rouseville is priced from your credit file and income, not from the fact that the city holds 445 people. Roughly 445 residents live in Rouseville, the 785th-largest community in Pennsylvania. For a community of about 445, the practical step is to compare APR across at least three lenders before committing. The 2020 count to the 2023 estimate shows about 2.8% decline in Rouseville. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Rouseville's 445 residents. A larger market lies at Oil City, PA about 3 miles away.

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

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Rouseville: the sourced local profile

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

Population: a Census-estimated 445, 785th among Pennsylvania's 1,013 places (Vintage 2023).
Population trend: A decline of about 2.8% across the 2020-to-2023 comparison.
Change in people: the 2020-to-2023 comparison is a loss of about 13 residents.
Size percentile: roughly 23% of Pennsylvania's places have fewer residents than Rouseville's 445.
Population density: about 498 people per square mile (Census land area 0.9 sq mi).
Land area: Rouseville covers 0.9 square miles, the 494th-largest area among Pennsylvania's 1,013 places.
Water area rank: Rouseville ranks 383rd among Pennsylvania's 1,013 places, with 0.01 sq mi.
Share of Pennsylvania: Rouseville holds about 0.0% of the state's population, some 445 people.
National standing: Rouseville ranks 13,660th of 19,457 US places.
Growth rank: Rouseville ranks 871st among Pennsylvania's 1,013 places for the 2020-to-2023 change.
Versus Pennsylvania: the state average change is -0.9%, while Rouseville moved 2.8%.
Density rank: Rouseville places 862nd among Pennsylvania's places by people per square mile.
Density in context: Rouseville's 498 people per square mile sit against a Pennsylvania median of 1,990.
Location: 41.4685 / -79.6812, per the US Census Bureau Gazetteer.
Nearest larger cities: Oil City (3 mi); Sugarcreek (8 mi); Franklin (10 mi); Pleasantville (10 mi); Titusville (11 mi). For most borrowers the comparison happens online, not at a branch.
Smaller communities within reach: Cooperstown (10 mi); Tionesta (12 mi); Utica (15 mi).
Within a 50-mile radius: 45 smaller Census places.
Within 100 miles: 486 places are larger than Rouseville.

The Pennsylvania lending rules that reach Rouseville

When Pennsylvania does not publish a figure, the row links to the source instead of inventing a number; Rouseville 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
Small-loan / installment lender licensing	Consumer 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
Bank rate-cap exemption (state-specific rule)	Pennsylvania state-chartered banks are not subject to state interest-rate caps (Banking Code Sections 303/506 supersede the LIPL 6% cap). Source says: "Pennsylvania law does not impose any restrictions on the interest rate that Pennsylvania state-chartered banks may charge to customers." (DoBS interpretive letter, May 11, 2023).	Pennsylvania Department of Banking and Securities as of 2026-09-16

Rouseville's place among Pennsylvania's 1,013 places

Within Pennsylvania, Rouseville holds roughly 0.0% of all residents, the 785th-largest share among 1,013 places. Its 2020-to-2023 change ranks 871st of 1,013 Pennsylvania places, putting it near the 14th percentile for growth. At about 498 people per square mile, Rouseville is the 862nd most densely settled place in Pennsylvania. In land area, Rouseville ranks 494th among Pennsylvania's 1,013 places.

Rouseville: area, density and distance

Rouseville covers about 0.9 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). With 445 residents, the land area yields roughly 498 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 259 miles away. Counting outward 50 miles, 79 larger communities surround Rouseville. By land area it ranks 494th of 1,013 Pennsylvania places.

Inside a Rouseville personal loan

A Rouseville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 445 residents. Because pricing is borrower-level, two people in Rouseville can be quoted different APRs on the same amount and term. The term you choose in Rouseville decides the split between a comfortable payment and the total interest you pay.

What to do before borrowing in Rouseville

Before you hand your details to a lender in Rouseville, where the population is near 445:

Pull your credit reports first and correct any error before a lender sees the file.
Price the payment first with our personal loan calculator before any lender quotes you.
Collect three or more offers and compare them on APR, not on the advertised rate.
Make sure the lender appears in the Pennsylvania regulator's licence list.
Check that the monthly payment fits your budget next to your existing obligations.
Choose a term you can live with; stretching it lowers the payment but raises total interest.
Borrow only what the purpose requires, not the maximum you are offered.

None of these steps is Rouseville-specific: the same Pennsylvania licensing and disclosure rules reach all 445 residents.

Compare personal loan offers Run the numbers first

Common questions

What are my options in Rouseville 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 Rouseville is the same as anywhere in Pennsylvania.

What loan size can I expect in Rouseville?

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 Rouseville?

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 Rouseville 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.

Nearby places

Oil City, PA — population 9,374
Sugarcreek, PA — population 4,704
Titusville, PA — population 5,164
Pleasantville, PA — population 826
Franklin, PA — population 5,935
Hydetown, PA — population 520
Cooperstown, PA — population 389
Tionesta, PA — population 415