Bear Creek Village at a glance
- Population: 296 (US Census Bureau, Vintage 2023 subcounty estimate), the 870th-largest of 1,013 places in Pennsylvania.
- 2020 Census base: 290 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 2.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Pennsylvania places: 870th of 1,013 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 14% of the Census places in Pennsylvania (US Census Bureau).
- Coordinates: latitude 41.1860, longitude -75.7540 (US Census Bureau Gazetteer).
- Nearest larger cities: Penn Lake Park, PA (5 mi); Laurel Run, PA (5 mi); Laflin, PA (7 mi); Wilkes-Barre, PA (8 mi); Ashley, PA (8 mi); US Census Bureau population estimates.
- Nearest smaller communities: East Side, PA (9 mi); Jeddo, PA (15 mi); New Columbus, PA (28 mi), each a US Census place.
What a personal loan costs in Bear Creek Village
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Pennsylvania lending rules that apply in Bear Creek Village
The sourced rows below are the rules a licensed lender must follow when lending in Pennsylvania, and therefore in Bear Creek Village.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| 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 |
| Bank rate-cap exemption (state-specific rule) | Pennsylvania state-chartered banks are not subject to state interest-rate caps (Banking Code Sections 303/506 supersede the LIPL 6% cap). Source says: "Pennsylvania law does not impose any restrictions on the interest rate that Pennsylvania state-chartered banks may charge to customers." (DoBS interpretive letter, May 11, 2023). | Pennsylvania Department of Banking and Securities as of 2026-09-16 |
How to compare offers in Bear Creek Village
The order below is a sensible way to approach a loan in Bear Creek Village:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Pennsylvania using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.