Avis at a glance
- Population: 1,460 residents, the 505th-largest of 1,013 places in Pennsylvania (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,474 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 0.9% lower than the 2020 Census base (US Census Bureau).
- Rank among Pennsylvania places: 505th of 1,013 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 50% of Pennsylvania places in population terms (US Census Bureau).
- Coordinates: 41.1857 latitude, -77.3165 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Jersey Shore, PA (3 mi); Lock Haven, PA (8 mi); Williamsport, PA (15 mi); South Williamsport, PA (17 mi); Montoursville, PA (21 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Salladasburg, PA (8 mi); Flemington, PA (9 mi); Loganton, PA (10 mi) — US Census Bureau populations.
What a personal loan costs in Avis
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Avis
The table lists the Pennsylvania rules that apply to a loan made in Avis, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Avis
These steps are the ones that most affect the offer you receive in Avis:
- 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.