Juniata Terrace at a glance
- Population: 553 (US Census Bureau, Vintage 2023 subcounty estimate), the 744th-largest of 1,013 places in Pennsylvania.
- 2020 Census base: 563 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 1.8% below the 2020 Census base (US Census Bureau).
- Rank among Pennsylvania places: 744th in population of 1,013 places (US Census Bureau).
- Size percentile: it is larger than about 27% of the places in Pennsylvania (US Census Bureau).
- Coordinates: 40.5855, -77.5784 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Lewistown, PA (1 mi); Burnham, PA (3 mi); Mifflintown, PA (10 mi); Port Royal, PA (11 mi); McClure, PA (16 mi) (US Census Bureau).
- Nearest smaller towns: Mifflin, PA (9 mi); McVeytown, PA (10 mi); Blain, PA (18 mi) (US Census Bureau).
What a personal loan costs in Juniata Terrace
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Pennsylvania lending rules that apply in Juniata Terrace
The Pennsylvania rate caps and licensing rules that reach Juniata Terrace are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Juniata Terrace
A few practical steps will make the process in Juniata Terrace less costly:
- 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.