Personal loans in State College, PA

State College by the numbers

What follows is State College's place in the Census record, alongside the Pennsylvania rules that govern a personal loan made here.

• Population: an estimated 40,687 residents, 13th of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
• Population trend: The 2020-to-2023 change is positive, near 0.5%.
• Absolute change: 192 residents added between 2020 and 2023.
• Size percentile: about 99% of Pennsylvania's Census places are smaller than State College.
• Land and density: 4.6 square miles of land carry roughly 8,888 residents per square mile.
• Land area: State College covers 4.6 square miles, the 74th-largest area among Pennsylvania's 1,013 places.
• State share: roughly 0.7% of Pennsylvania's residents live in State College (40,687 people).
• National rank: State College sits 978th by population among the 19,457 places in this dataset.
• Growth in Pennsylvania: State College stands 160th by percentage change from 2020 to 2023, among 1,013 places.
• Against the state trend: State College's 0.5% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
• Density rank: State College places 18th among Pennsylvania's places by people per square mile.
• Against the state median: State College runs about 8,888 residents per square mile, where the Pennsylvania median is 1,990.
• Location: latitude 40.7910, longitude -77.8568 (Census Gazetteer).
• Nearest larger cities: Altoona (35 mi); Harrisburg (62 mi); Hagerstown (80 mi); York (82 mi); Frederick (97 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller communities close by: Unionville (8 mi); Bellefonte (10 mi); Centre Hall (10 mi), each with its own Census population profile.
• Within a 50-mile radius: 104 smaller Census places.
• Within 100 miles: 6 places are larger than State College.

Where State College sits

State College's land area is roughly 4.6 square miles, and the Gazetteer records no significant water area within it. With 40,687 residents, the land area yields roughly 8,888 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 153 miles away. Within 50 miles of State College there are 1 larger Census places. Within the same 50 miles lie 104 smaller Census places.

How Pennsylvania law applies in State College

Read the table as a lender's compliance picture for State College: the rule, the sourced figure, the publisher and the date.

State College against the rest of Pennsylvania

Set beside Pennsylvania's 1,013 places, State College ranks 13th by population and holds about 0.7% of the state total. Its 2020-to-2023 change ranks 160th of 1,013 Pennsylvania places, putting it near the 84th percentile for growth. Its roughly 8,888 residents per square mile place it 18th among Pennsylvania's places. In land area, State College ranks 74th among Pennsylvania's 1,013 places.

Borrowing reach in State College

At roughly 8,888 people per square mile, State College is densely built; 1 larger places lie within 50 miles. What is available to State College's 40,687 borrowers is set by Pennsylvania licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Altoona, PA about 35 miles away.

What shapes a State College personal loan

In State College, a smaller city of about 40,687, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in State College. The term you choose in State College decides the split between a comfortable payment and the total interest you pay.