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.
What the Census records for Youngwood
Two layers matter for a Youngwood borrower: the local population picture and Pennsylvania's consumer-lending statutes.
- Population: 2,910 people, a figure that places Youngwood 328th among the 1,013 Census places in Pennsylvania (US Census Bureau, Vintage 2023).
- Population trend: Down about 2.2% from the 2020 Census base to the 2023 estimate.
- Absolute change: 64 residents lost between 2020 and 2023.
- Size percentile: Youngwood sits ahead of around 68% of Pennsylvania places, at 2,910 people.
- Population density: 1,517 people per square mile on 1.9 square miles of land.
- By land area: Youngwood ranks 224th among Pennsylvania's 1,013 places, at 1.9 sq mi.
- Within Pennsylvania: about 0.1% of the state's population lives in Youngwood.
- Nationally: Youngwood is the 6,375th-largest of 19,457 Census places in the dataset.
- Growth in Pennsylvania: Youngwood stands 689th by percentage change from 2020 to 2023, among 1,013 places.
- Versus Pennsylvania: the state average change is -0.9%, while Youngwood moved 2.2%.
- Density in Pennsylvania: Youngwood ranks 603rd by people per square mile.
- Against the state median: Youngwood runs about 1,517 residents per square mile, where the Pennsylvania median is 1,990.
- Location: 40.2443 / -79.5807, per the US Census Bureau Gazetteer.
- Nearest larger cities: Greensburg (5 mi); Jeannette (6 mi); Mount Pleasant (7 mi); Irwin (8 mi); Manor (8 mi). Larger metros often have more branches, but online lenders reach Youngwood on the same terms.
- Nearest smaller places: New Stanton (2 mi); South Greensburg (3 mi); Hunker (3 mi).
- Within a 50-mile radius: 202 smaller Census places.
- Larger places within 100 miles: 170.
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.
| 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 |
| 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 |
| Small-loan / installment lender licensing | Consumer 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 |
Common questions
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Nearby places
- New Stanton, PA — population 2,285
- South Greensburg, PA — population 2,109
- Hunker, PA — population 303
- Southwest Greensburg, PA — population 2,173
- Greensburg, PA — population 14,603
- Arona, PA — population 248
- Jeannette, PA — population 8,591
- Madison, PA — population 357