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.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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:
- 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.