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Personal loans in Oakdale, PA

For residents of Oakdale, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. With roughly 1,428 people, Oakdale ranks 513th of 1,013 Census places in Pennsylvania. The table below carries the Pennsylvania rate caps and licensing rules that apply to a personal loan taken out here.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Oakdale at a glance

  • Population: 1,428 (US Census Bureau, Vintage 2023 subcounty estimate), the 513th-largest of 1,013 places in Pennsylvania.
  • 2020 Census base: the 2020 count put the population at 1,480 (US Census Bureau).
  • 2020 to 2023 change: roughly 3.5% fewer residents than at the 2020 Census (US Census Bureau).
  • Rank among Pennsylvania places: 513th out of 1,013 Census places (US Census Bureau).
  • Size percentile: about 49% of places in Pennsylvania are smaller (US Census Bureau).
  • Coordinates: the Census Gazetteer places it at 40.4002, -80.1872.
  • Nearest larger cities (within 120 miles): McDonald, PA (3 mi); Bridgeville, PA (5 mi); Carnegie, PA (5 mi); Crafton, PA (7 mi); Ingram, PA (7 mi) (US Census Bureau populations).
  • Nearest smaller towns: Pennsbury Village, PA (5 mi); Heidelberg, PA (5 mi); Rosslyn Farms, PA (5 mi) — US Census Bureau populations.

What a personal loan costs in Oakdale

A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.

Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.

A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.

A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.

Pennsylvania lending rules that apply in Oakdale

Each row below is a Pennsylvania rule with its publisher and the date it was retrieved.

RuleDetailSource
State lending regulatorPennsylvania 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 statusNo 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 licensingConsumer 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 Oakdale

Before you share your details with a lender in Oakdale:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Pennsylvania using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Oakdale?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Oakdale are the same as elsewhere in Pennsylvania.
How much can I borrow with a personal loan in Oakdale?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Oakdale require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Oakdale hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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