Nuangola at a glance
- Population: roughly 671 people; 699th of 1,013 places in Pennsylvania (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 663 (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 1.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Pennsylvania places: 699th-largest of 1,013 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 31% of Pennsylvania's places have fewer residents (US Census Bureau).
- Coordinates: 41.1584, -75.9780 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Nanticoke, PA (3 mi); Sugar Notch, PA (3 mi); Ashley, PA (6 mi); Plymouth, PA (6 mi); Larksville, PA (8 mi) (US Census Bureau).
- Nearest smaller places: Warrior Run, PA (3 mi); Laurel Run, PA (8 mi); Shickshinny, PA (9 mi) (US Census Bureau estimates).
What a personal loan costs in Nuangola
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Nuangola
The Pennsylvania rate caps and licensing rules that reach Nuangola are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Nuangola
Before you share your details with a lender in Nuangola:
- 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.