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Pennsylvania, officially the Commonwealth of Pennsylvania, is a state located in the northeastern and Mid-Atlantic regions of the United States. The Appalachian Mountains run through its middle. The Commonwealth is bordered by Delaware to the southeast, Maryland to the south, West Virginia to the southwest, Ohio to the west, Lake Erie and the Canadian province of Ontario to the northwest, New York to the north, and New Jersey to the east.
Pennsylvania is 170 miles (274 km) north to south and 283 miles (455 km) east to west. Of a total 46,055 square miles (119,282 km), 44,817 square miles (116,075 km) are land, 490 square miles (1,269 km) are inland waters, and 749 square miles (1,940 km) are waters in Lake Erie. It is the 33rd-largest state in the United States.
Pennsylvania has 51 miles (82 km) of coastline along Lake Erie and 57 miles (92 km) of shoreline along the Delaware Estuary. Of the original Thirteen Colonies, Pennsylvania is the only state that does not border the Atlantic Ocean.
The boundaries of the state are the Mason–Dixon line (39° 43′ N) to the south, the Twelve-Mile Circle on the Pennsylvania-Delaware border, the Delaware River to the east, 80° 31′ W to the west and the 42° N to the north, with the exception of a short segment on the western end, where a triangle extends north to Lake Erie.
Cities include Philadelphia, Reading, Lebanon and Lancaster in the southeast, Pittsburgh in the southwest, the tri-cities of Allentown, Bethlehem, and Easton in the central east (known as the Lehigh Valley). The northeast includes the former anthracite coal mining cities of Scranton, Wilkes-Barre, Pittston (Greater Pittston), and Hazleton. Erie is located in the northwest. State College serves the central region while Williamsport serves the commonwealth’s north-central region as does Chambersburg the south-central region, with York, Carlisle, and the state capital Harrisburg on the Susquehanna River in the east-central region of the Commonwealth and Altoona and Johnstown in the west-central region.
The state has five geographical regions, namely the Allegheny Plateau, Ridge and Valley, Atlantic Coastal Plain, Piedmont, and the Erie Plain.
The United States Census Bureau estimates that the population of Pennsylvania was 12,807,060 on July 1, 2017, a 0.82% increase since the 2010 United States Census. In an earlier estimate, the state was 78.8% Non-Hispanic White, 11.4% Black or African American, 0.3% Native American, 3.0% Asian, 0.1% Native Hawaiian and Other Pacific Islander, 1.7% Two or More Races, and 6.1% Hispanic or Latino.
Of the people residing in Pennsylvania, 74.5% were born in Pennsylvania, 18.4% were born in a different U.S. state, 1.5% were born Puerto Rico, U.S. Island areas, or born abroad to American parent(s), and 5.6% were foreign born.
According to the 2010 Census, 81.9% of the population was White (79.2% non-Hispanic white), 11.3% was Black or African American, 0.3% American Indian and Alaska Native, 2.9% Asian, 1.9% from two or more races. 5.9% of the total population was of Hispanic or Latino origin (they may be of any race).
As of 2011, 32.1% of Pennsylvania’s population younger than age one were minorities.
Pennsylvania’s Hispanic population grew by 82.6% between 2000 and 2010, making it one of the largest increases in a state’s Hispanic population. The significant growth of the Hispanic population is due to immigration to the state mainly from Puerto Rico, which is a US territory, but to a lesser extent from countries such as the Dominican Republic, Mexico, and various Central and South American nations, as well as from the wave of Hispanics leaving New York and New Jersey for safer and more affordable living. The Asian population swelled by almost 60%, which was fueled by Indian, Vietnamese, and Chinese immigration, as well the many Asian transplants moving to Philadelphia from New York. The rapid growth of this community has given Pennsylvania one of the largest Asian populations in the nation by numerical values. The Black and African American population grew by 13%, which was the largest increase in that population amongst the state’s peers (New York, New Jersey, Ohio, Illinois, and Michigan). The White population declined by 0.7%, a trend that is beginning to reverse itself. Twelve other states saw decreases in their White populations. The state of Pennsylvania has a high in-migration of blacks and Hispanics from other nearby states, with eastern and south-central portions of the state seeing the bulk of the increases.
The center of population of Pennsylvania is located in Perry County, in the borough of Duncannon.
As of 2018, Pennsylvania has an estimated population of 12,823,989, which is an increase of 18,452 from the previous year and an increase of 121,610 since the year 2010. Net migration to other states resulted in a decrease of 27,718, and immigration from other countries resulted in an increase of 127,007. Net migration to the Commonwealth was 98,289. Migration of native Pennsylvanians resulted in a decrease of 100,000 people. From 2008 to 2012, 5.8% of the population was foreign-born. The state has an estimated 2017 poverty rate of 13.2%. The state also has the 3rd-highest proportion of elderly (65+) citizens in 2005.
Foreign born Pennsylvanians are largely from Asia (36.0%), Europe (35.9%), and Latin America (30.6%), with the remainder from Africa (5%), North America (3.1%), and Oceania (0.4%).
The majority of Hispanics in Pennsylvania are of Puerto Rican descent, having one of the largest and fastest-growing Puerto Rican populations in the country. Most of the remaining Hispanic population is made up of Mexicans and Dominicans. Most Hispanics are concentrated in Philadelphia, Lehigh Valley and South Central Pennsylvania. Pennsylvania’s reported population of Hispanics, especially among the Black race, has markedly increased in recent years. The Hispanic population is greatest in Bethlehem, Allentown, Reading, Lancaster, York, and around Philadelphia. It is not clear how much of this change reflects a changing population and how much reflects increased willingness to self-identify minority status. As of 2010, it is estimated that about 85% of all Hispanics in Pennsylvania live within a 150-mile (240 km) radius of Philadelphia, with about 20% living within the city itself.
Of the black population, the vast majority in the state are African American, being descendants of African slaves brought to the US south during the colonial era. There are also a growing number of blacks of West Indian, recent African, and Hispanic origins. Most blacks live in the Philadelphia area, Pittsburgh, and South Central Pennsylvania, among other areas. Whites make-up the majority of Pennsylvania, they are mostly descended from German, Irish, Italian, and English immigrants, among others. Rural portions of South Central Pennsylvania are famous nationwide for its notable Amish communities. The “Wyoming Valley” or the Scranton/Wilkes-Barre Metropolitan Area has a large concentration of whites. As a matter of fact, it has the highest percentage of white residents than any other metropolitan area in the U.S. with 96.2% of its population claiming to be white with no Hispanic background.
Pennsylvania’s population was reported as 5.9% under 5 and 23.8% under 18, with 15.6% aged 65 or older. Women made up 52% of the population.
The largest ancestry groups are listed below, expressed as a percentage of total people who responded with a particular ancestry for the 2010 census:
Note: Births in table don’t add up, because Hispanics are counted both by their ethnicity and by their race, giving a higher overall number.
As of 2010, 90.15% (10,710,239) of Pennsylvania residents age 5 and older spoke English at home as a primary language, while 4.09% (486,058) spoke Spanish, 0.87% (103,502) German (which includes Pennsylvania Dutch) and by 0.47% (56,052) Chinese (which includes Mandarin) of the population over the age of five. In total, 9.85% (1,170,628) of Pennsylvania’s population age 5 and older spoke a mother language other than English.
Pennsylvania German is often—even though misleadingly—called “Pennsylvania Dutch”. The term “Dutch” used to mean “German” (including the Netherlands), before the Latin name for them replaced it (but stuck with the Netherlands). When referring to the language spoken by the Pennsylvania Dutch people (Pennsylvania German) it means “German” or “Teutonic” rather than “Netherlander”. Germans, in their own language, call themselves “Deutsch”, (Pennsylvania German: “Deitsch”). The Pennsylvania German language is a descendant of German, in the West Central German dialect family. It is closest to Palatine German. Pennsylvania German is still very vigorous as a first language among Old Order Amish and Old Order Mennonites (principally in the Lancaster County area), whereas it is almost extinct as an everyday language outside the plain communities, though a few words have passed into English usage.
Of all the colonies, only Rhode Island had religious freedom as secure as in Pennsylvania. Voltaire, writing of William Penn in 1733, observed: “The new sovereign also enacted several wise and wholesome laws for his colony, which have remained invariably the same to this day. The chief is, to ill–treat no person on account of religion, and to consider as brethren all those who believe in one God.” One result of this uncommon freedom was a wide religious diversity, which continues to the present.
Pennsylvania’s population in 2010 was 12,702,379. Of these, 6,838,440 (53.8%) were estimated to belong to some sort of organized religion. According to the Association of religion data archives (ARDA) at Pennsylvania State University, the largest religions in Pennsylvania by adherents are the Roman Catholic Church with 3,503,028 adherents, the United Methodist Church with 591,734 members, and the Evangelical Lutheran Church in America with 501,974 members.
The third-largest single denomination is the Presbyterian Church (USA) with 250,000 members and 1,011 congregations. Pennsylvania, especially western part and Pittsburgh area has one of the highest percentage of Presbyterians in the nation. The Presbyterian Church in America has also significant, 112 congregations and 23,000 adherents, the EPC has around 50 congregations, as well as ECO. The next largest Protestant denomination, the United Church of Christ, has 180,000 members and 627 congregations. American Baptist Churches USA (Northern Baptist Convention) is based in King of Prussia, Pennsylvania.
Pennsylvania was the center state of the German Reformed denomination since the 1700s. Bethlehem, Pennsylvania, is one of the headquarters of the Moravian Church in America. Pennsylvania also has a very large Amish population, second only to Ohio among the states. In the year 2000 there was a total Amish population of 47,860 in Pennsylvania and a further 146,416 Mennonites and 91,200 Brethren. The total Anabapist population including Bruderhof was 232,631, about 2 percent of the population. While Pennsylvania owes its existence to Quakers, and much of the historic character of the Commonwealth is ideologically rooted in the teachings of the Religious Society of Friends (as they are officially known), practicing Quakers are a small minority of about 10,000 adherents in 2010.
As of 2014, the religious affiliations of the people of Pennsylvania are:
According to a 2016 Gallup poll, 38% of Pennsylvanians are very religious, 29% are moderately religious, and 34% are non-religious.
Pennsylvania neighborhoods include: Aaronsburg, Abbottstown, Abington, Acme, Adah, Adamsburg, Adamstown, Adamsville, Addison, Airville, Akron, Albion, Albrightsville, Alburtis, Aldan, Alexandria, Aliquippa, Allegheny, Allenport, Allensville, Allentown, Allenwood, Allison, Allison Park, Allport, Altoona, Alum Bank, Alverton, Ambler, Ambridge, Amity, Andreas, Anita, Annville, Apollo, Archbald, Ardara, Ardmore, Armagh, Armbrust, Arona, Artemas, Ashland, Ashley, Ashville, Aspers, Aspinwall, Aston, Atglen, Athens, Atlantic, Auburn, Audubon, Aultman, Austin, Avalon, Avella, Avoca, Avondale, Avonmore, Baden, Bainbridge, Bakerstown, Bala Cynwyd, Bally, Bangor, Barnesville, Barto, Bartonsville, Bath, Beach Lake, Beallsville, Bear Creek Township, Bear Lake, Beaver, Beaver Falls, Beaver Meadows, Beaver Springs, Beavertown, Beccaria, Bechtelsville, Bedford, Beech Creek, Bellefonte, Belle Vernon, Bellevue, Bellwood, Belmont Hills, Ben Avon, Benezett, Bensalem, Bentleyville, Benton, Berlin, Bernville, Berrysburg, Berwick, Berwyn, Bessemer, Bethany, Bethel, Bethel Park, Bethlehem, Big Cove Tannery, Biglerville, Bird In Hand, Birdsboro, Birmingham, Black Lick, Blain, Blairs Mills, Blairsville, Blakely, Blakeslee, Blandon, Blawnox, Bloomfield, Bloomsburg, Blossburg, Blue Bell, Blue Ridge Summit, Boalsburg, Boiling Springs, Bolivar, Boothwyn, Boswell, Boyers, Boyertown, Brackenridge, Braddock, Bradenville, Bradfordwoods, Branchdale, Breezewood, Breinigsville, Brentwood, Bressler, Bridgeport, Bridgeville, Brisbin, Broad Top, Brockport, Brockton, Brockway, Brodheadsville, Brogue, Brookhaven, Brookline, Brookville, Broomall, Browndale, Brownsville, Bruin, Bryn Athyn, Bryn Mawr, Buena Vista, Buffalo Mills, Bulger, Burgettstown, Burnside, Burnt Cabins, Butler, Byrnedale, Cabot, Cadogan, Cairnbrook, California, Callensburg, Calvin, Cambridge Springs, Cammal, Camp Hill, Canadensis, Canonsburg, Canton, Carbondale, Carlisle, Carlton, Carnegie, Carrolltown, Carson, Cassville, Castle Shannon, Catasauqua, Catawissa, Cecil, Cedar Run, Center Valley, Centerville, Central City, Centre Hall, Chadds Ford, Chalfont, Chambersburg, Champion, Charleroi, Cheltenham, Cherry Tree, Cherryville, Chester, Chesterbrook, Chester Springs, Cheswick, Cheyney, Chicora, Childs, Christiana, Clairton, Clarence, Clarendon, Claridge, Clarington, Clarion, Clarksburg, Clarks Green, Clarks Mills, Clarks Summit, Clarksville, Claysburg, Claysville, Clearfield, Clearville, Cleona, Clifford Township, Clifton Heights, Clifton Township, Clinton, Clintonville, Clymer, Coal Center, Coaldale, Coalport, Coal Township, Coatesville, Coburn, Cochranton, Cochranville, Cocolamus, Cogan Station, Cokeburg, Collegeville, Collingdale, Colmar, Columbia, Columbia Cross Roads, Columbus, Colver, Commodore, Concord, Conemaugh, Conestoga, Confluence, Conneaut Lake, Conneautville, Connellsville, Conshohocken, Conway, Conyngham, Cooksburg, Coolspring, Coopersburg, Cooperstown, Coplay, Coraopolis, Corry, Corsica, Coudersport, Coupon, Courtdale, Covington, Covington Township, Crafton, Cranberry, Cranberry Township, Cranberry Twp, Cranesville, Creekside, Creighton, Cresco, Cresson, Cressona, Crosby, Cross Fork, Crum Lynne, Crystal Spring, Cuddy, Curwensville, Daisytown, Dallas, Dallastown, Dalmatia, Dalton, Damascus, Danielsville, Danville, Darby, Darlington, Darragh, Dauberville, Dauphin, Davidsville, Dawson, Dayton, Delano, Delaware Water Gap, Delmont, Delta, Denver, Derry, Devon, Dickson City, Dillsburg, Donegal, Donora, Dornsife, Douglassville, Dover, Downingtown, Doylesburg, Dravosburg, Dresher, Drexel Hill, Driftwood, Drumore, Drums, Dry Run, Du Bois, Dudley, Dunbar, Duncannon, Duncansville, Dunlevy, Dunmore, Dupont, Duquesne, Duryea, Dushore, Dysart, Eagleville, East Bangor, East Berlin, East Brady, East Earl, East Freedom, East Greenville, East Hickory, East Liberty, East Mc Keesport, East Millsboro, East Norriton, Easton, East Pennsboro, East Petersburg, East Pittsburgh, East Smithfield, East Springfield, East Stroudsburg, East Waterford, East York, Eau Claire, Ebensburg, Eddystone, Edgeworth, Edinboro, Edinburg, Edwardsville, Effort, Eighty Four, Elco, Eldred, Elizabeth, Elizabethtown, Elizabethville, Elkins Park, Elkland, Elliottsburg, Ellsworth, Ellwood City, Elmhurst Township, Elverson, Elysburg, Emlenton, Emmaus, Emporium, Emsworth, Enola, Enon Valley, Entriken, Ephrata, Equinunk, Erie, Ernest, Espyville, Essington, Etna, Etters, Evans City, Everett, Everson, Excelsior, Exeter, Export, Exton, Eynon, Factoryville, Fairchance, Fairfield, Fairhope, Fairmount City, Fairview, Fallentimber, Falls, Falls Creek, Fannettsburg, Farmington, Farrandsville, Farrell, Fawn Grove, Fayette City, Fayetteville, Feasterville Trevose, Felton, Fenelton, Finleyville, Fisher, Fishertown, Fleetwood, Flinton, Flourtown, Fogelsville, Folcroft, Folsom, Fombell, Ford City, Ford Cliff, Forest City, Forkston Township, Forks Twp, Forksville, Fort Hill, Fort Littleton, Fort Loudon, Fort Washington, Forty Fort, Fountain Hill, Foxburg, Frackville, Franklin, Frederick, Fredericksburg, Fredericktown, Fredonia, Freeburg, Freedom, Freeland, Freemansburg, Freeport, Frenchville, Friedens, Friendsville, Fruitville, Fryburg, Gaines, Galeton, Gallitzin, Gap, Gardners, Garnet Valley, Garrett, Genesee, Georgetown, Germansville, Gettysburg, Gibbon Glade, Gibsonia, Gilbert, Gilbertsville, Gillett, Girard, Girardville, Gladwyne, Glassport, Glen Campbell, Glendon, Glen Hope, Glen Lyon, Glen Mills, Glenmoore, Glenolden, Glen Richey, Glen Riddle, Glen Rock, Glenshaw, Glenside, Glenville, Gordonville, Gouldsboro, Graceton, Grampian, Grand Valley, Grantville, Granville Summit, Grapeville, Grassflat, Gratz, Graysville, Great Bend, Greencastle, Greenfield Township, Green Lane, Greensburg, Greentown, Greenville, Grindstone, Grove City, Guilford Township, Gulph Mills, Guys Mills, Gwynedd, Hadley, Halifax, Hallam, Hallstead, Hamburg, Hamilton, Hamlin, Hanover, Hanover Township, Harborcreek, Harding, Harford, Harleysville, Harmony, Harrisburg, Harrison City, Harrison Valley, Harrisonville, Harrisville, Hartstown, Harveys Lake, Harwick, Hastings, Hatboro, Hatfield, Haverford, Havertown, Hawk Run, Hawley, Hazelwood, Hazleton, Hazle Township, Hegins, Heidelberg, Hellam, Hellertown, Henryville, Hereford, Herminie, Hermitage, Herndon, Hershey, Hesston, Hickory, Highspire, Hilldale, Hiller, Hilliards, Hillsgrove, Hollidaysburg, Hollsopple, Holmes, Holtwood, Home, Homer City, Homestead, Homewood, Honesdale, Honey Brook, Honey Grove, Hookstown, Hooversville, Hop Bottom, Hopewell, Hopwood, Horsham, Houston, Houtzdale, Howard, Hudson, Hughestown, Hughesville, Hummelstown, Hunker, Hunlock Creek, Hunlock Township, Huntingdon, Huntingdon Valley, Huntington Mills, Hustontown, Hyde Park, Hyndman, Ickesburg, Imler, Imperial, Indiana, Indian Head, Indianola, Indian Valley, Industry, Irvine, Irvona, Irwin, Jackson Center, Jacobus, James City, James Creek, Jamestown, Jeannette, Jefferson Township, Jeffersonville, Jenkins Township, Jenkintown, Jenners, Jermyn, Jersey Shore, Jessup, Jim Thorpe, Johnsonburg, Johnstown, Jones Mills, Jonestown, Julian, Kane, Kantner, Karns City, Karthaus, Kempton, Kennerdell, Kennett Square, Kersey, King Of Prussia, Kingsley, Kingston, Kinzers, Kirkwood, Kittanning, Klingerstown, Knox, Knoxville, Koppel, Kossuth, Kresgeville, Kulpmont, Kunkletown, Kutztown, La Belle, Laceyville, Lackawaxen, Lafayette Hill, Lairdsville, La Jose, Lake Ariel, Lake City, Lake Como, Lake Harmony, Lake Lynn, Lakeville, Lakewood, Lancaster, Landenberg, Landingville, Landisburg, Landisville, Lansdale, Lansdowne, Lansford, Larimer, Larksville, Latrobe, Laughlintown, Laureldale, Laurel Run, Laurelton, Laurys Station, Lawrence, Lawrenceville, Lawton, Lebanon, Leck Kill, Lecontes Mills, Leechburg, Leeper, Leesport, Leetsdale, Lehighton, Lemont Furnace, Lemoyne, Lenhartsville, Leola, Le Raysville, Lewisberry, Lewisburg, Liberty, Lickingville, Ligonier, Lilly, Limestone, Lincoln University, Linden, Linesville, Linfield, Lititz, Little Meadows, Littlestown, Liverpool, Lock Haven, Loganton, Long Pond, Lopez, Loretto, Lower Merion, Lower Salford, Loyalhanna, Loysburg, Loysville, Lucinda, Lurgan, Luthersburg, Luzerne, Lykens, Lyndora, Macungie, Madera, Madison, Madisonburg, Madison Township, Mahaffey, Mahanoy City, Mainesburg, Malvern, Manchester, Manheim, Manns Choice, Manor, Manorville, Mansfield, Maple Glen, Mapleton Depot, Marble, Marchand, Marcus Hook, Marianna, Marienville, Marietta, Marion Center, Marion Heights, Markleton, Markleysburg, Mars, Marsteller, Martinsburg, Marysville, Masontown, Mayfield, Mayport, McAdoo, Mc Alisterville, Mc Clellandtown, Mc Clure, Mc Connellsburg, Mc Donald, Mc Kean, McKeesport, Mc Kees Rocks, McKnight, McSherrystown, Mc Sherrystown, Mc Veytown, Meadowbrook, Meadville, Mechanicsburg, Media, Mehoopany, Melcroft, Mercer, Mercersburg, Merion Station, Merrittstown, Mertztown, Meshoppen, Meyersdale, Middleburg, Middlebury Center, Middletown, Midland, Midway, Mifflin, Mifflinburg, Mifflintown, Mifflinville, Milan, Milanville, Mildred, Millbourne, Mill Creek, Millersburg, Millerstown, Millersville, Millerton, Mill Hall, Millheim, Millmont, Mill Run, Mills, Millvale, Millville, Milmont Park, Milroy, Milton, Mineral Point, Miners Mill, Minersville, Mocanaqua, Mohnton, Mohrsville, Monaca, Monessen, Monongahela, Monroeton, Monroe Township, Monroeville, Mont Alto, Montandon, Mont Clare, Montgomery, Montgomeryville, Montoursville, Montrose, Moosic, Morea, Morgan, Morgantown, Morris, Morrisdale, Morris Run, Morton, Moscow, Moshannon, Mountain Top, Mount Bethel, Mount Carmel, Mount Holly Springs, Mount Joy, Mount Lebanon, Mount Oliver, Mount Pleasant, Mount Pleasant Mills, Mount Pocono, Mount Union, Mountville, Mount Washington, Mount Wolf, Mt Washington, Muhlenberg Township, Muir, Muncy, Muncy Valley, Munhall, Munson, Murrysville, Myerstown, Nanticoke, Nanty Glo, Narberth, Narvon, Natrona Heights, Nazareth, Needmore, Neelyton, Nelson, Nescopeck, Nesquehoning, Neville Island, New Albany, New Alexandria, New Berlin, New Bethlehem, New Bloomfield, New Boston, New Brighton, Newburg, New Castle, New Columbia, New Cumberland, New Derry, New Eagle, New Enterprise, New Florence, Newfoundland, New Freedom, New Galilee, New Germantown, New Holland, New Kensington, New London Township, Newmanstown, New Milford, New Millport, New Oxford, New Paris, New Park, New Philadelphia, Newport, New Providence, New Ringgold, New Salem, New Salem Borough, New Stanton, Newtown Square, New Tripoli, Newville, New Wilmington, Nicholson, Nicktown, Normalville, Norristown, Northampton, North Bingham, North Charleroi, North East, Northern Cambria, North Huntingdon, North Irwin, North Leechburg, Northpoint, North Scranton, North Springfield, Northumberland, North Versailles, North Wales, North Warren, Norwood, Nottingham, Noxen, Oakdale, Oakland, Oakland Mills, Oakmont, Oberlin, Observatory, Ohiopyle, Oil City, Olanta, Old Forge, Oley, Oliveburg, Olyphant, Ontelaunee, Orangeville, Orbisonia, Orefield, Oreland, Orrstown, Orrtanna, Orviston, Orwigsburg, Osceola, Osceola Mills, Osterburg, Oswayo, Oxford, Palm, Palmerton, Palmyra, Paoli, Paradise, Parker, Parkesburg, Parkhill, Parsons, Patterson Heights, Patton, Paxinos, Paxtang, Peach Bottom, Peckville, Pen Argyl, Penbrook, Penfield, Penllyn, Penn, Penn Hills, Penn Run, Pennsburg, Pennsylvania Furnace, Penn Valley, Penn Wynne, Pequea, Perkiomenville, Perryopolis, Petersburg, Petrolia, Philadelphia, Philipsburg, Phoenixville, Pillow, Pine Grove, Pipersville, Pitcairn, Pitman, Pittsburgh, Pittsfield, Pittston, Pittston Township, Plains, Plains Township, Plains Twp, Pleasant Gap, Pleasant Hall, Pleasant Hills, Pleasant Mount, Pleasantville, Plum, Plymouth, Plymouth Meeting, Pocono Lake, Pocono Pines, Pocono Summit, Point Marion, Polk, Portage, Port Allegany, Port Carbon, Port Clinton, Portersville, Port Matilda, Port Royal, Port Trevorton, Pottersdale, Pottstown, Pottsville, Presto, Preston Park, Primos, Pringle, Prompton, Prospect, Prospect Park, Prosperity, Pulaski, Punxsutawney, Quakertown, Quarryville, Racine, Radnor, Ralston, Ramey, Rankin, Ranshaw, Reading, Reading Station, Rebersburg, Rebuck, Rector, Red Hill, Red Lion, Reeders, Reinholds, Renfrew, Renovo, Republic, Reynoldsville, Rices Landing, Richfield, Richland, Richmondale, Ridgway, Ridley Park, Riegelsville, Rillton, Rimersburg, Ringgold, Ringtown, Riverside, Roaring Branch, Roaring Brook Twp, Roaring Spring, Robertsdale, Robesonia, Robinson, Rochester, Rochester Mills, Rock Glen, Rockledge, Rockton, Rockwood, Rome, Ronks, Roscoe, Roseto, Rose Valley, Rossiter, Roulette, Royersford, Ruffs Dale, Rural Valley, Russell, Russellton, Rutledge, Rydal, Sabinsville, Sacramento, Saegertown, Saint Benedict, Saint Boniface, Saint Clair, Saint Marys, Saint Michael, Saint Thomas, Salford, Salisbury, Salix, Salladasburg, Saltsburg, Salunga, Sandy Lake, Sarver, Saxonburg, Saxton, Saylorsburg, Sayre, Scenery Hill, Schellsburg, Schnecksville, Schuylkill Haven, Schwenksville, Sciota, Scotrun, Scottdale, Scott Township, Scranton, Seanor, Secane, Selinsgrove, Seneca, Seven Fields, Seven Valleys, Seward, Sewickley, Shade Gap, Shadyside, Shamokin, Shamokin Dam, Sharon, Sharon Hill, Sharpsburg, Sharpsville, Shavertown, Sheffield, Shelocta, Shenandoah, Sheppton, Shermans Dale, Shickshinny, Shillington, Shinglehouse, Shippensburg, Shippenville, Shippingport, Shirleysburg, Shoemakersville, Shrewsbury, Shunk, Sidman, Sigel, Silver Spring Township, Simpson, Sinking Spring, Sinnamahoning, Six Mile Run, Slatington, Slickville, Sligo, Slippery Rock, Slovan, Smicksburg, Smithfield, Smithmill, Smithton, Smock, Smoketown, Snow Shoe, Snydertown, Somerset, Souderton, South Abington Township, South Fork, South Heidelberg Twp, South Heights, South Hills, South Park, South Sterling, South Waverly, South Williamsport, Spangler, Spartansburg, Spraggs, Sprankle Mills, Springboro, Spring Brook Township, Spring City, Spring Creek, Springdale, Springfield, Spring Glen, Spring Grove, Spring House, Spring Mills, Spring Run, Springs, Spruce Creek, Stahlstown, Starford, Star Junction, Starlight, Starrucca, State College, Steelton, Sterling, Stevens, Stevensville, Stewartstown, Stillwater, Stockdale, Stockertown Township, Stoneboro, Stowe, Stoystown, Strabane, Strafford, Strasburg, Strattanville, Strongstown, Stroudsburg, Sugar Grove, Sugarloaf, Sugar Notch, Sugar Run, Summerhill, Summerville, Summit Hill, Sunbury, Susquehanna, Sutersville, Swarthmore, Swatara, Swatara Township, Sweet Valley, Swiftwater, Swissvale, Swoyersville, Sycamore, Sykesville, Tamaqua, Tannersville, Tarentum, Tarrs, Tatamy Borough, Taylor, Telford, Temple, Terre Hill, Thomasville, Thompson, Thompsontown, Thorndale, Thornton, Three Springs, Throop, Tidioute, Timblin, Tioga, Tionesta, Titusville, Tobyhanna, Todd, Topton, Toughkenamon, Towanda, Tower City, Townville, Trafford, Transfer, Trappe, Tremont, Trevorton, Trexlertown, Trout Run, Troy, Tunkhannock, Turbotville, Turtle Creek, Twin Rocks, Tyler Hill, Tyrone, Ulster, Ulysses, Union City, Union Dale, Uniontown, Unityville, Upland, Upper Chichester, Upper Darby, Upper Gwynedd, Upper Saint Clair, Upperstrasburg, Utica, Valencia, Valier, Valley View, Vanderbilt, Vandergrift, Vandling, Vanport, Venango, Venetia, Venus, Verona, Villanova, Vintondale, Volant, Vowinckel, Wabash, Wall, Wallingford, Walnut Bottom, Walnutport, Waltersburg, Wampum, Wapwallopen, Warfordsburg, Warren, Warren Center, Warrendale, Warrior Run, Warriors Mark, Washington, Washington Boro, Waterfall, Waterford, Waterville, Watsontown, Wattsburg, Waverly, Waymart, Wayne, Waynesboro, Weatherly, Weedville, Wellersburg, Wellsboro, Wells Tannery, Wellsville, Wernersville, Wescosville, West Alexander, West Aliquippa, West Brandywine, West Bridgewater, West Burlington Township, West Chester, West Conshohocken, West Decatur, West Easton, Westfield, West Finley, West Grove, West Hanover, West Hazleton, West Homestead, West Leechburg, West Manchester Twp, West Middlesex, West Mifflin, West Milton, Westmoreland City, West Newton, Westover, West Pennsboro, West Pittston, Westport, West Reading, West Springfield, West Sunbury, West View, West Wyoming, Wexford, White, Whitehall, White Haven, White Oak, Wiconisco, Wilburton, Wilcox, Wilkes Barre, Wilkinsburg, Williamsburg, Williamsport, Williamstown, Willow Grove, Willow Hill, Willow Street, Wilmerding, Wilmot Township, Winburne, Windber, Wind Gap, Windsor, Winfield, Womelsdorf, Woodbury, Woodland, Woodlyn, Woodward, Woolrich, Worthington, Worthville, Wrightsville, Wyalusing, Wyncote, Wynnewood, Wyoming, Wyomissing, Wysox, Yatesville, Yeadon, Yoe, York, Yorkana, York Haven, York Springs, Youngsville, Youngwood, Yukon, Zelienople, Zieglerville, Zion Grove, Zionsville
For more information, see Pennsylvania wiki
AllCreditCarLoans was founded to help car buyers, even those who may have experienced credit difficulties in the past, get car loan pre-approval before going to a dealership. By separating bad credit no credit car loan options from dealer price negotiations, we empower our clients to get the best deal possible.
The first step to apply for a car loan is to figure out how much you can afford to spend. If you have a vehicle to trade-in, you should determine its value so that you can factor that into your budget. A good resource for determining your cars market value is Kelley Blue Book.
Next, you'll want to consider how much money you have to use for a down payment. The more money you put down, the lower your monthly payment will be. If you are looking for an auto loan for bad credit with no money down, don't worry. We can still help you.
Finally, use our auto refi calculator to estimate your monthly payment.
If you've chosen to buy a new car, you will most likely be purchasing the vehicle from a car dealer that accepts both good and bad credit. In order to get the best deal on a bad credit new car loan, you should research the base price, the cost of optional features and the average dealer fees in your area. To get the best deal possible, work with AllCreditCarLoans to get an auto loan pre-approval so that you can negotiate like a cash buyer.
If you are looking to get the most value for your dollar, you will likely be better off looking for no down payment used cars. That's because the prior owners have already absorbed the biggest portion of the vehicle's depreciation and you may have the option to get a used car loan and buy from a private seller, thus saving dealer fees. AllCreditCarLoans can help you with an auto loan for a private seller.
No matter what your credit situation is, AllCreditCarLoans will help you to find the best auto loans that are suited to your needs and budget.
We specialize in:
We can help with an auto loan for a first-time buyer, car loans for college students and we are proud to have arranged military car loans for service members and their spouses. We've even been able to help foreign nationals and others who do not qualify for a social security number to buy a car with their ITIN number.
We also specialize in sub-prime auto loans including after bankruptcy car loans and helping borrowers to obtain an auto loan with repossessions.
If you are looking for a auto title loan or car loan refinancing, we have programs that can help you as well.
AllCreditCarLoans works with the best buy here pay here carlots, used car dealership for bad credit, 2nd chance auto financing and other used car finance lenders to provide the best auto loan rates.
You are never alone in this process. Our reliable lender partners will guide you every step of the way -- from the time you begin processing your application, all the way to the day when you drive home your new car. Click the Apply Now button below to let us get started helping you today!
Getting bad credit car or truck loans can present a problem, especially in Pennsylvania. There are companies that offer bad credit car loans for people who have filed for bankruptcy, have slow pay history or other severe credit problems. With these companies, it can be very easy to get the money you need, but it is important for you to do your research before getting a loan.
Obtaining car financing with bad credit can have a positive impact on your credit history if handled correctly. If you have a job that can be verified, and if you are not currently in the process of filing for bankruptcy, then you can more than likely get a bad credit car loan.
Fill out our quick and easy one-page application form and get pre-approved for a car before you go to the dealership. Now is not the time to be shy. Your credit may be spotty but you have the opportunity to get a car and improve your credit at the same time. Once you get a pre-approval for car loans for bad credit, you will feel confident before you walk into a dealership.
Bad credit did not happen overnight. Fixing bad credit takes time and persistence. Today you need a bad credit car loan but if you pay the payment in a timely manner, your next car loan can be on your terms.
Are you afraid to go shopping for a car because of the embarrassment you may face at the very real possibility of being turned down due to bad credit? If this is you, you're not alone. More than ever before, many are faced with bad credit right now, even in Pennsylvania. What you need right now is a little "credit score infusion". Your score needs to be high enough so you can qualify for that auto loan you so desperately need.
I totally understand. In today's world an auto is a necessity. If you're lucky enough to still have a job right now, you've gotta have a car to get to work. If you've been laid off or just can't find a job, you need a car to go look for a job. You need to pick up your kids from daycare, you need to go to the grocery store. Whatever the issue is, you won't get far without wheels, so here are a few tips you can use to infuse your credit score immediately.
Different lenders have different criteria in relation to what they deem to be a "good" score. Really, what it all boils down to is "What interest rate am I going to have to pay?" You can still probably find a lender who will give you a car loan with a credit score of 580, but you're going to pay a really high interest rate for it. Get yourself bumped up to over 600 and better yet, over 620, and you have a few more options, but the rate you're going to pay is still not going to be pleasant. If you have scores in the range of 650 to 680, interest rates are going to be decent. Get yourself over 700 and you've got shopping power!
There are many scoring models out there, so don't be fooled. There can be a 50 to 100 point difference from one credit scoring agency to another, so your best bet is to stick with your FICO Score. This score is derived by Equifax and is the credit score that most lenders use, so you can be pretty confident with the score you receive.
You can get your FICO credit score for $9.95 if you sign up for their Score Watch program. This is the quickest way to get your score, and a great way to monitor how it's going to shoot up after I teach you a few tricks later in this article. If you do not wish to sign up for this free trial, then you can access all three of your credit reports for free, but you will then have to pay around $7 to $10 to purchase your score from each of the three major credit reporting agencies. You can only do this once a year for free.
Maybe you don't have enough income to qualify for that Ferrari you wanted, yet the loan officer will be able to advise you how much you can qualify for, as long as this is your only issue. If you're turned down because of your score, you can ask what is the minimum score they require to get approved. This will tell you whether or not you're going to need sub-prime car financing or not.
If you're not "bankable" just yet, don't worry. There are still auto lenders out there that will give you a loan, but the rate isn't going to be as pretty. I'd first ask the loan officer at the bank if they have anyone they'd recommend to refer you to. You can also do a search on the net for "bad credit auto loans" and you'll get a slew of links to click on. Some of these sites will search multiple lenders for you and could save you some time. If you like a more personal approach, you can look in your local yellow pages for "auto finance companies". Word of caution here though, finance companies usually carry much higher rates, so be sure to shop around.
Most people worry about whether or not they'll be able to make the monthly payments on a loan without taking into account the loan's term, total interest paid, and loan origination fees or pre-payment penalties.
Generally, the lowest rates on auto loans are available on short-term loans, from 12 to 36 months, which mean a large monthly payment but lower amounts of interest. Longer-term loans often come with higher interest rates. When you calculate the total price of your new vehicle, include the interest costs over the years. If it seems like too much for you, try to renegotiate the interest rate, offer a larger down payment, or shorten the term of the loan. Use our auto loan calculator to estimate your monthly payment.