Personal loans in Three Springs, PA

A lender serving Three Springs holds a Pennsylvania licence and answers to a Pennsylvania regulator; no city office is involved for its 435 residents. Rate ceilings, licensing requirements and product limits for Three Springs are all set at the Pennsylvania level. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Three Springs loan. Borrowers who want a bigger city can look to Orbisonia, PA about 6 miles away.

Where Three Springs stands

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

• Population: about 435 people live here, which puts Three Springs 788th of 1,013 Census places in Pennsylvania (Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 2.0%.
• Absolute change: 9 residents lost between 2020 and 2023.
• Size percentile: roughly 22% of Pennsylvania's places have fewer residents than Three Springs's 435.
• Population density: about 353 people per square mile (Census land area 1.2 sq mi).
• Land area: Three Springs covers 1.2 square miles, the 365th-largest area among Pennsylvania's 1,013 places.
• Within Pennsylvania: about 0.0% of the state's population lives in Three Springs.
• National rank: Three Springs sits 13,741st by population among the 19,457 places in this dataset.
• Growth rank: Three Springs's 2020-to-2023 change ranks 654th of 1,013 places in Pennsylvania.
• State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Three Springs's 2.0%.
• Density in Pennsylvania: Three Springs ranks 909th by people per square mile.
• Against the state median: Three Springs runs about 353 residents per square mile, where the Pennsylvania median is 1,990.
• Location: 40.1970, -77.9819 (Census Gazetteer coordinates).
• Nearest larger cities: Orbisonia (6 mi); Mount Union (14 mi); Saxton (14 mi); McConnellsburg (18 mi); Martinsburg (20 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Saltillo (2 mi); Rockhill (5 mi); Shade Gap (6 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 49 of them.
• At 100 miles: 417 larger Census places fall inside that radius.

The Pennsylvania lending rules that reach Three Springs

This table holds the Pennsylvania rate and licensing rules for consumer loans made to Three Springs's 435 residents.

What shapes a Three Springs personal loan

Three Springs is a small community of about 435 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Three Springs's 435 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Three Springs loan is knowable in advance — unlike a revolving card balance.

Three Springs on the map

Three Springs's land area is roughly 1.2 square miles, and the Gazetteer records no significant water area within it. With 435 residents, the land area yields roughly 353 people per square mile. The state's population centre of gravity, Philadelphia, is roughly 151 miles away. Three Springs has 79 larger places within a 50-mile radius. The 100-mile radius contains 417 larger places.

How Three Springs compares across Pennsylvania

Against Pennsylvania's other places, Three Springs accounts for about 0.0% of the state's population and ranks 788th of 1,013 by size. For population change between 2020 and 2023, Three Springs ranks 654th of 1,013 in Pennsylvania (about the 35th percentile). By density, at about 353 people per square mile, it ranks 909th in Pennsylvania. In land area, Three Springs ranks 365th among Pennsylvania's 1,013 places.

How lenders reach Three Springs

Three Springs is lightly settled, with about 353 people per square mile and 79 larger places within 50 miles. Lenders licensed in Pennsylvania reach Three Springs's 435 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Orbisonia, PA about 6 miles away.