Personal loans in Tunnelhill, PA
Tunnelhill shed about 2.5% of its population between the 2020 base and the 2023 estimate. Tunnelhill is a small community in Pennsylvania, with an estimated 310 residents, and every licensed lender here follows the same state rulebook.
At about 310 residents, Tunnelhill is larger than roughly 15% of the places in Pennsylvania. The closest larger place is Gallitzin, PA about 1 miles away. When Pennsylvania caps or restricts a product, lenders either change the terms or withdraw it from Tunnelhill as from the rest of the state. Use the calculator on this page to price an amount and term before you commit in Tunnelhill.
What the Census records for Tunnelhill
Only a few things actually differ by place — population, area, location, and the Pennsylvania rules a lender must follow — and they are below.
- Population: about 310, ranked 864th of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
- Population trend: About 2.5% below the 2020 Census base.
- Change in people: the 2020-to-2023 comparison is a loss of about 8 residents.
- Size percentile: bigger than about 15% of the places in Pennsylvania, with 310 residents in Tunnelhill.
- Density: the Census land area of 0.5 sq mi holds about 628 people per square mile.
- Land area rank: Tunnelhill's 0.5 square miles rank 740th of 1,013 places in Pennsylvania.
- State share: roughly 0.0% of Pennsylvania's residents live in Tunnelhill (310 people).
- National rank: Tunnelhill is the 15,017th most populous of the 19,457 Census places covered here.
- Growth rank: Tunnelhill ranks 787th among Pennsylvania's 1,013 places for the 2020-to-2023 change.
- Against the state trend: Tunnelhill's 2.5% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
- Density in Pennsylvania: Tunnelhill ranks 822nd by people per square mile.
- Density vs Pennsylvania: Tunnelhill's 628 people per square mile compare with a state median of 1,990.
- Location: mapped by the US Census Bureau at 40.4783, -78.5423.
- Nearest larger cities: Gallitzin (1 mi); Cresson (3 mi); Sankertown (3 mi); Loretto (5 mi); Lilly (6 mi). Living near a larger metro rarely changes what is available in Tunnelhill.
- Smaller communities within reach: Ashville (6 mi); Cassandra (7 mi); Chest Springs (8 mi).
- Smaller places within 50 miles: 49 of them.
- At 100 miles: 513 larger Census places fall inside that radius.
The Pennsylvania lending rules that reach Tunnelhill
Every row below records a Pennsylvania rule, its publisher and its retrieval date — the same rules a Tunnelhill lender must follow.
| 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 |
| Maximum legal interest rate (usury cap) | 6% per annum maximum for loans of $50,000 or less where no lower rate is contracted (41 P.S. 201(a)). Source says: "the maximum lawful rate of interest for the loan or use of money... shall be six per cent per annum" (Loan Interest and Protection Law, Section 201(a)). | Pennsylvania General Assembly (Laws of Pennsylvania, Act 6 of 1974) as of 2026-09-16 |
| Payday lending status | No 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 |
Getting a loan in Tunnelhill
At roughly 628 people per square mile, Tunnelhill is moderately settled; 99 larger places lie within 50 miles. A Pennsylvania licence lets a lender serve Tunnelhill without a local office, so branch density does not change what its 310 residents are offered. For a larger market, the closest option is Gallitzin, PA about 1 miles away.
Where Tunnelhill sits in Pennsylvania
Tunnelhill is the 864th-largest of 1,013 Census places in Pennsylvania and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 787th of 1,013 Pennsylvania places, putting it near the 22th percentile for growth. Its roughly 628 residents per square mile place it 822nd among Pennsylvania's places. Within 50 miles sit 49 smaller Census places, alongside the 99 that are larger.
Tunnelhill: area, density and distance
Tunnelhill's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 628 residents per square mile. The state's population centre of gravity, Philadelphia, is roughly 183 miles away. Within 50 miles of Tunnelhill there are 99 larger Census places. Within the same 50 miles lie 49 smaller Census places.
A pre-application checklist for Tunnelhill
Before you apply in Tunnelhill, a community of about 310, work through these steps:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Verify the lender's Pennsylvania licence with the regulator listed on this page.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Make sure the new payment leaves room in a budget you already keep.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
None of these steps is Tunnelhill-specific: the same Pennsylvania licensing and disclosure rules reach all 310 residents.
Common questions
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What loan size can I expect in Tunnelhill?
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Does comparing loans in Tunnelhill cost me credit score points?
Nearby places
- Gallitzin, PA — population 1,490
- Cresson, PA — population 1,486
- Sankertown, PA — population 614
- Ashville, PA — population 209
- Lilly, PA — population 857
- Loretto, PA — population 1,168
- Cassandra, PA — population 154
- Chest Springs, PA — population 139