Personalloaned Compare rates

PA · city page

Personal loans in Valley-Hi, PA

In Valley-Hi, a personal loan gives you a lump sum repaid over a set term, with the lender setting your APR from your credit, income and debts. Valley-Hi has a Census-estimated population of 5, ranking 1,013th among the 1,013 Census places in Pennsylvania. The sourced table below lists the Pennsylvania rate caps and licensing rules a lender must follow on a loan made here.

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

Advertising disclosure: Personalloaned may receive a referral fee if you apply through a link on this page. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

Valley-Hi at a glance

  • Population: 5, the 1,013th-largest community in Pennsylvania out of 1,013 (US Census Bureau, Vintage 2023).
  • 2020 Census base: 5 people (US Census Bureau, 2020 Census count).
  • 2020 to 2023 change: about the same as at the 2020 Census (US Census Bureau).
  • Rank among Pennsylvania places: 1,013th in population of 1,013 places (US Census Bureau).
  • Size percentile: ahead of around 0% of Pennsylvania places in population terms (US Census Bureau).
  • Coordinates: mapped at 40.0321, -78.1926 by the US Census Bureau Gazetteer.
  • Nearest larger cities (within 120 miles): Hopewell, PA (8 mi); Everett, PA (9 mi); Coaldale, PA (9 mi); Dudley, PA (12 mi); Broad Top City, PA (12 mi) (US Census Bureau populations).
  • Nearest smaller communities: none within 120 miles by straight-line distance.

What a personal loan costs in Valley-Hi

The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.

Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.

The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.

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 Valley-Hi

The sourced rows below are the rules a licensed lender must follow when lending in Pennsylvania, and therefore in Valley-Hi.

RuleDetailSource
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
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

How to compare offers in Valley-Hi

Before you share your details with a lender in Valley-Hi:

  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 Valley-Hi?
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 Valley-Hi are the same as elsewhere in Pennsylvania.
How much can I borrow with a personal loan in Valley-Hi?
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 Valley-Hi 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 Valley-Hi 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

Related