North Braddock at a glance
- Population: about 4,153, 244th by size in Pennsylvania of 1,013 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 4,318 residents here (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 3.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Pennsylvania places: 244th in population of 1,013 places (US Census Bureau).
- Size percentile: ahead of around 76% of Pennsylvania places in population terms (US Census Bureau).
- Coordinates: 40.4017, -79.8537 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Forest Hills, PA (2 mi); Turtle Creek, PA (2 mi); Duquesne, PA (2 mi); Swissvale, PA (2 mi); Munhall, PA (3 mi) (US Census Bureau populations).
- Smaller places nearby: Braddock, PA (1 mi); East Pittsburgh, PA (1 mi); Braddock Hills, PA (1 mi), per US Census Bureau estimates.
What a personal loan costs in North Braddock
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Pennsylvania lending rules that apply in North Braddock
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 |
| 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 |
| 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 to compare offers in North Braddock
These steps are the ones that most affect the offer you receive in North Braddock:
- 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.