Personal loans in Scalp Level, PA
To lend to Scalp Level's 728 residents, a company must hold a Pennsylvania licence, and each sourced row below names the regulator behind it. The Census counts 728 people in Scalp Level, the 673rd-largest figure among Pennsylvania's 1,013 places. Scalp Level counts about 728 people, and what is genuinely local about borrowing here is limited — Pennsylvania law does the governing. The 2020 count to the 2023 estimate shows about 2.7% decline in Scalp Level. Verify the lender's Pennsylvania licence against the regulator named below before borrowing in Scalp Level. The nearest larger city is Paint, PA about 1 miles away.
Local context for Scalp Level
What follows is Scalp Level's place in the Census record, alongside the Pennsylvania rules that govern a personal loan made here.
- Population: an estimated 728 residents, 673rd of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
- Population trend: About 2.7% below the 2020 Census base.
- People gained or lost: about 20 fewer since the 2020 base.
- Size percentile: about 34% of Pennsylvania communities are smaller than Scalp Level (728 residents).
- Population density: about 1,088 people per square mile (Census land area 0.7 sq mi).
- Land area: Scalp Level covers 0.7 square miles, the 615th-largest area among Pennsylvania's 1,013 places.
- State population share: Scalp Level accounts for about 0.0% of everyone in Pennsylvania.
- Nationally: Scalp Level is the 11,607th-largest of 19,457 Census places in the dataset.
- Growth rank: Scalp Level's 2020-to-2023 change ranks 837th of 1,013 places in Pennsylvania.
- State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Scalp Level's 2.7%.
- Density rank: Scalp Level places 709th among Pennsylvania's places by people per square mile.
- Density vs Pennsylvania: Scalp Level's 1,088 people per square mile compare with a state median of 1,990.
- Location: it lies at 40.2495, -78.8443 in the Census Gazetteer.
- Nearest larger cities: Paint (1 mi); Windber (1 mi); Geistown (3 mi); Ferndale (5 mi); Dale (5 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller places nearby: Lorain (4 mi); Benson (6 mi); Daisytown (6 mi).
- Smaller neighbours: 100 places smaller than Scalp Level sit within 50 miles.
- Larger places within 100 miles: 374.
The state rulebook for Scalp Level
Pennsylvania has no separate rate rule for Scalp Level; the sourced rows below are what reach every lender that serves its 728 people.
| 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 |
Getting a loan in Scalp Level
Scalp Level is a moderately settled community of about 728 people, with 85 larger places inside a 50-mile radius. What is available to Scalp Level's 728 borrowers is set by Pennsylvania licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Paint, PA about 1 miles away.
How personal loans work in Scalp Level
With roughly 728 residents, Scalp Level is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Scalp Level's 728 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Scalp Level loan but raises total interest, so the smallest payment is not the cheapest loan.
Scalp Level: area, density and distance
The Census Gazetteer records about 0.7 square miles of land within Scalp Level, with no significant water area listed. Spread across it are roughly 1,088 residents per square mile. Philadelphia, the largest place in Pennsylvania, is about 197 miles from Scalp Level. Scalp Level has 85 larger places within a 50-mile radius. Within the same 50 miles lie 100 smaller Census places.
Scalp Level's place among Pennsylvania's 1,013 places
Against Pennsylvania's other places, Scalp Level accounts for about 0.0% of the state's population and ranks 673rd of 1,013 by size. On the 2020-to-2023 trend, Scalp Level stands 837th among Pennsylvania's 1,013 places — roughly the 17th percentile. At about 1,088 people per square mile, Scalp Level is the 709th most densely settled place in Pennsylvania. Within 50 miles sit 100 smaller Census places, alongside the 85 that are larger.
Common questions
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Nearby places
- Paint, PA — population 886
- Windber, PA — population 3,835
- Geistown, PA — population 2,303
- Lorain, PA — population 579
- Ferndale, PA — population 1,508
- Dale, PA — population 964
- Daisytown, PA — population 285
- Benson, PA — population 180