Southwest Greensburg at a glance
- Population: about 2,173, 407th by size in Pennsylvania of 1,013 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,222 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 2.2% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Pennsylvania places: 407th of 1,013 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 60% of places in Pennsylvania rank below it by population (US Census Bureau).
- Coordinates: latitude 40.2919, longitude -79.5478 (US Census Bureau Gazetteer).
- Nearest larger cities: Greensburg, PA (1 mi); Youngwood, PA (4 mi); Jeannette, PA (4 mi); New Stanton, PA (6 mi); Manor, PA (7 mi), each a US Census place with its estimated population.
- Nearest smaller towns: South Greensburg, PA (1 mi); Penn, PA (6 mi); Adamsburg, PA (6 mi) — US Census Bureau populations.
What a personal loan costs in Southwest Greensburg
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
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.
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 useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Pennsylvania lending rules that apply in Southwest Greensburg
The sourced rows below are the rules a licensed lender must follow when lending in Pennsylvania, and therefore in Southwest Greensburg.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Southwest Greensburg
Before you share your details with a lender in Southwest Greensburg:
- 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.