Payday loans in Harrisburg, Pennsylvania | finder.com
Pennsylvania

Compare your loan options in Harrisburg, Pennsylvania

Find out your short-term loan options in Harrisburg for when you need a little extra money.

If you’re thinking of taking out a payday loan to get by between paychecks, you’ll need to consider other options. Our guide will help you discover other ways of getting short-term credit when you’re in need.

Can I get a payday loan in Harrisburg?

No. Payday loans aren’t legal in Pennsylvania. According to 63 Pennsylvania Statutes Ann. § 2325, check cashers can’t provide payday loans to residents of Pennsylvania, meaning they won’t be able to advance you cash in Harrisburg, even if they’re an online lender.

If you apply for any other kind of credit, Pennsylvania’s Consumer Discount Company Act (7 PA. Cons. Stat. §§ 6201 et seq.) applies. You won’t have to pay more than $9.50 per $100 in interest for the first 48 months of the loan, and lenders may charge a service charge of only $1.50 per $50. This is significantly less than the terms offered by payday lenders.

You can learn more about lending laws in Pennsylvania here

Here are some of your options for installment loans

Installment loans allow you to pay back your loan in fixed payments over a set period of time. If you’re thinking of taking out an installment loan, make sure it abides by Pennsylvania law. Even online lenders must follow these rules, so check before you sign.

Rates last updated February 23rd, 2018
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Maximum Loan Amount Term of Loan Turnaround Time Requirements
OppLoans Installment Loans
Installment loans with competitive rates from a top-rated direct lender.
$4,000
9 to 36 months
1 business day
Open only to residents of AL, AK, AZ, CA, DE, FL, GA, ID, IL, IN, KS, KY, MI, MO, MS, NV, NM, OH, OK, SC, TN, TX, UT, VA and WI. Must have direct deposit and meet minimum income requirements.
Slam Dunk Loans
Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.
$2,500
Varies by lender
As soon as next business day
Must be employed, receive regular income, earn at least $800 a month, have a checking account, be 18+ yrs old and a US citizen.
Blue Trust Loans Installment Loans
Get an installment loan from an online tribal lender. Perks for returning borrowers.
$2,000
6 months
As soon as next business day
Must be at least 18 years old and have a verifiable source of income with direct deposit into your checking account.
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
Varies by state
1 business day
You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
HonestLoans Installment Loans
Get a flexible installment loan with fast funding through one easy online application form.
$2,500
Varies by lender
As soon as one business day
Must be employed and receive regular income, earn at least $800 a month, have a checking account and be an 18+ years old legal US citizen.
MaxLend Installment Loans
Get up to $1,000 as a first-timer, with loans of up to $2,000 and lower APRs for repeat borrowers.
$2,000
6 months
As soon as the next business day
Must be at least 18 years old and a US citizen, have a valid bank account and provide a verifiable source of income.

Compare up to 4 providers

What are some of my other options for a short-term loan in Harrisburg?

You may not be able to take out a payday loan, but there are other ways to get credit when you live in Harrisburg, PA.

  • Local social services. Look into public services for assistance with your everyday expenses like heating, food and housing costs.
  • Borrow from people you know. You may be able to request an advance from your employer or get a loan from friends or family. Be sure you repay what you borrow in a timely manner to avoid strained relationships.
  • Talk with community organizations. Non-profit financial cooperatives and community credit unions may have options for small-amount loans if you meet their eligibility criteria.
  • Talk to your creditors. Ask about arranging a payment plan or getting more time to pay. Your creditors want to get paid and are often willing to work with you to make sure you can afford your payments on a regular basis.

You can find out more about your options on our alternatives page

Why can't I get a payday loan in Harrisburg?

Many states have begun to recognize consumer complaints about the high cost of payday lending and the predatory practices some lenders take part in. To combat this, Pennsylvania lawmakers have put in place an interest cap to deter small-loan lenders from offering payday loans.

Where to get cash advances in Harrisburg

Where to get a a cash advance in Harrisburg?

If you’re looking for cash advance locations in Harrisburg, here are some options:

  • Sell Car For Cash Harrisburg. 2150 Queens Dr Apt B2, Harrisburg, PA 17110
  • Simple Gold Exchange. 4600 Jonestown Rd, Harrisburg, PA 17109
  • Family Financial Center. 2721 Agate St, Harrisburg, PA 17110
  • Capitol City Buy & Sell. 3517 Walnut St, Harrisburg, PA 17109
  • TOP CASH PAID 24/7. 3405 Walnut St, Harrisburg, PA 17109
  • Blue Chip Federal Credit Union. 5050 Derry St, Harrisburg, PA 17111
  • Fast Cash, Inc. Allen Hall, Harrisburg, PA 17104
  • Ny Check Cashing Inc. 1314 Market St, Harrisburg, PA 17103
  • United Check Cashing. 3200 Paxton St, Harrisburg, PA 17111

Frequently asked questions

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

US Payday Loans Offers

Important Information*
Slam Dunk Loans

Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

LendUp Payday Loans

LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

Check into Cash Payday Loan

With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

OppLoans Installment Loans

Installment loans with competitive rates from a top-rated direct lender.

Go to site