Personal loans in Zelienople, PA
Two households in Zelienople with comparable incomes can still be offered different rates; the city's 3,791 residents are not the reason. Begin with the payment, then weigh APR and total interest across the lenders that reach Zelienople's 3,791 residents. By population, Zelienople sits at 269th in Pennsylvania, with an estimated 3,791 residents. Consumer lending that reaches Zelienople's 3,791 residents is governed by Pennsylvania statute; no city ordinance changes it. Zelienople shed about 3.0% of its population between the 2020 base and the 2023 estimate. A larger market lies at Ellwood City, PA about 9 miles away.
Zelienople: the sourced local profile
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 3,791 people live here, which puts Zelienople 269th of 1,013 Census places in Pennsylvania (Vintage 2023).
- Population trend: A loss of roughly 3.0% between 2020 and 2023.
- Net change: roughly 117 fewer people than the 2020 Census counted.
- Size percentile: bigger than about 73% of the places in Pennsylvania, with 3,791 residents in Zelienople.
- Density: the Census land area of 2.1 sq mi holds about 1,847 people per square mile.
- By land area: Zelienople ranks 203rd among Pennsylvania's 1,013 places, at 2.1 sq mi.
- Water: Zelienople holds about 0.05 square miles, the 235th-largest water area in Pennsylvania.
- Within Pennsylvania: about 0.1% of the state's population lives in Zelienople.
- National rank: Zelienople sits 5,592nd by population among the 19,457 places in this dataset.
- Growth rank: Zelienople ranks 891st among Pennsylvania's 1,013 places for the 2020-to-2023 change.
- State comparison: Pennsylvania's places average -0.9% for 2020-to-2023, against Zelienople's 3.0%.
- Density rank: Zelienople is the 541st most densely settled place in Pennsylvania.
- Against the state median: Zelienople runs about 1,847 residents per square mile, where the Pennsylvania median is 1,990.
- Location: 40.7857 / -80.1387, per the US Census Bureau Gazetteer.
- Nearest larger cities: Ellwood City (9 mi); New Brighton (10 mi); Beaver Falls (10 mi); Monaca (10 mi); Economy (10 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities within reach: Harmony (1 mi); Evans City (4 mi); Callery (6 mi).
- Within a 50-mile radius: 228 smaller Census places.
- At 100 miles: 209 larger Census places fall inside that radius.
The geography behind Zelienople
Zelienople covers about 2.1 square miles of land, with 0.05 square miles of water inside its boundaries (Census Gazetteer). That land carries about 1,847 people per square mile. For the state's biggest city, Philadelphia, the distance is roughly 269 miles. Zelienople has 89 larger places within a 50-mile radius. The 100-mile radius contains 209 larger places.
A practical checklist for Zelienople borrowers
For Zelienople's roughly 3,791 residents, these are the steps that most influence the offer:
- Start with the credit file: order the reports, fix the errors, then apply.
- Use the loan calculator to test the payment on your intended amount and term.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the Pennsylvania licence with the regulator named above before committing.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- 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.
The process is identical across Pennsylvania; what changes is your credit file, not the fact that Zelienople holds 3,791 people.
Which Pennsylvania laws govern a loan in Zelienople
When Pennsylvania does not publish a figure, the row links to the source instead of inventing a number; Zelienople is bound by the same rules.
| 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 |
How Zelienople compares across Pennsylvania
Zelienople is the 269th-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, Zelienople ranks 891st of 1,013 in Pennsylvania (about the 12th percentile). At about 1,847 people per square mile, Zelienople is the 541st most densely settled place in Pennsylvania. Within 50 miles sit 228 smaller Census places, alongside the 89 that are larger.
Borrowing reach in Zelienople
Zelienople is moderately settled, with about 1,847 people per square mile and 89 larger places within 50 miles. What is available to Zelienople's 3,791 borrowers is set by Pennsylvania licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Ellwood City, PA about 9 miles away.
Common questions
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Nearby places
- Harmony, PA — population 926
- Evans City, PA — population 1,689
- Callery, PA — population 349
- Seven Fields, PA — population 2,862
- Connoquenessing, PA — population 755
- Portersville, PA — population 224
- Prospect, PA — population 1,091
- Ellport, PA — population 1,091