Personalloaner

Personal loans in Starrucca, PA

With roughly 173 residents, Starrucca is a small community, and the lending rules its borrowers live under are written in Pennsylvania, not by the city. Starrucca is home to roughly 173 people and stands 954th by size out of 1,013 Census places in Pennsylvania. Population in Starrucca climbed about 1.2% over the three years from 2020 to 2023. Compare APR, not the interest rate, because the APR folds in most fees on a Starrucca loan. The next larger city is Thompson, PA about 4 miles away. State law, not city hall, decides what a lender may do to Starrucca's roughly 173 residents, and a state regulator supervises it.

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

Compare loan offers Run the numbers first

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.

What the Census records for Starrucca

The figures below are Starrucca's own — Census population, land area and coordinates — followed by the Pennsylvania rules.

A practical checklist for Starrucca borrowers

A sensible order of operations for a loan in Starrucca, home to about 173 people:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  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. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  7. Borrow only what the purpose requires, not the maximum you are offered.

None of these steps is Starrucca-specific: the same Pennsylvania licensing and disclosure rules reach all 173 residents.

Where Starrucca sits

The Census Gazetteer records 8.9 square miles of land and 0.07 square miles of water within Starrucca. That land carries about 19 people per square mile. The largest place in Pennsylvania, Philadelphia, lies about 131 miles away. A 50-mile radius around Starrucca takes in 99 places that are larger. The 100-mile radius contains 555 larger places.

Starrucca against the rest of Pennsylvania

Within Pennsylvania, Starrucca holds roughly 0.0% of all residents, the 954th-largest share among 1,013 places. For population change between 2020 and 2023, Starrucca ranks 92nd of 1,013 in Pennsylvania (about the 91th percentile). At about 19 people per square mile, Starrucca is the 1,009th most densely settled place in Pennsylvania. In land area, Starrucca ranks 34th among Pennsylvania's 1,013 places.

Pennsylvania consumer-lending rules applied in Starrucca

For the roughly 173 residents of Starrucca, the rules below are Pennsylvania's own; each row carries its publisher and retrieval date.

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

Getting a loan in Starrucca

Starrucca is sparsely settled, with about 19 people per square mile and 99 larger places within 50 miles. A Pennsylvania licence lets a lender serve Starrucca without a local office, so branch density does not change what its 173 residents are offered. The nearest larger city, Thompson, PA about 4 miles away.

Compare personal loan offers Run the numbers first

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 Starrucca 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 Starrucca is the same as anywhere in Pennsylvania.
What loan size can I expect in Starrucca?
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 Starrucca?
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 Starrucca 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

Related