Personal loans in Youngwood, PA

For the 2,910 people in Youngwood, Pennsylvania runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. At about 2,910 residents, Youngwood is larger than roughly 68% of the places in Pennsylvania. Youngwood, Pennsylvania — home to about 2,910 people — is a small community, so the terms you are offered follow Pennsylvania law rather than any local rule. The trend for Youngwood between 2020 and 2023 is downward by roughly 2.2%. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Youngwood loan. The next larger city is Greensburg, PA about 5 miles away.

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

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 Youngwood

Two layers matter for a Youngwood borrower: the local population picture and Pennsylvania's consumer-lending statutes.

Lender access in Youngwood

At roughly 1,517 people per square mile, Youngwood is moderately settled; 92 larger places lie within 50 miles. Whether Youngwood has a local branch or not, a Pennsylvania-licensed lender can serve its 2,910 people online on the same terms. The nearest bigger place is Greensburg, PA about 5 miles away.

How Youngwood compares across Pennsylvania

Youngwood is the 328th-largest of 1,013 Census places in Pennsylvania and contains about 0.1% of the state's people. For population change between 2020 and 2023, Youngwood ranks 689th of 1,013 in Pennsylvania (about the 32th percentile). At about 1,517 people per square mile, Youngwood is the 603rd most densely settled place in Pennsylvania. Within 50 miles sit 202 smaller Census places, alongside the 92 that are larger.

What a Youngwood borrower is actually offered

Most loans made to Youngwood's 2,910 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Youngwood's 2,910 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Youngwood loan is knowable in advance — unlike a revolving card balance.

The geography behind Youngwood

Youngwood's land area is roughly 1.9 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,517 people per square mile. Philadelphia, the largest place in Pennsylvania, is about 235 miles from Youngwood. A 50-mile radius around Youngwood takes in 92 places that are larger. By land area it ranks 224th of 1,013 Pennsylvania places.

The Pennsylvania lending rules that reach Youngwood

Pennsylvania has no separate rate rule for Youngwood; the sourced rows below are what reach every lender that serves its 2,910 people.

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

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

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