South Connellsville at a glance
- Population: about 1,850 residents, ranking 444th of 1,013 Census places in Pennsylvania (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 1,920 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down roughly 3.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Pennsylvania places: 444th-largest of 1,013 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 56% of Pennsylvania's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 39.9925, -79.5755 in the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Connellsville, PA (2 mi); Scottdale, PA (8 mi); Uniontown, PA (10 mi); Mount Pleasant, PA (11 mi); New Stanton, PA (16 mi) (US Census Bureau).
- Smaller places close by: Dunbar, PA (2 mi); Vanderbilt, PA (5 mi); Dawson, PA (6 mi) (US Census Bureau).
What a personal loan costs in South Connellsville
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Pennsylvania lending rules that apply in South Connellsville
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 South Connellsville
Here is a short checklist for comparing personal loans in South Connellsville:
- 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.