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Pennsylvania

Compare your loan options in Pennsylvania

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Although you may be considering a payday loan in Pennsylvania, you may need other options

If you’re short on cash, a payday loan might have crossed your mind. Although Pennsylvania law doesn’t allow payday, there are plenty of other options you can consider. Read our guide for more.

LendYou Short-term Loans

For fast cash: LendYou

Find a lender that offers cash advances between $100 and $15,000.

  • Min. Loan Amount: $100
  • Max. Loan Amount: $15,000
  • Turnaround Time: 1 business day
  • Must have regular income of $1,000/month and be a US citizen or permanent resident
  • No collateral needed
  • Bad credit is OK

    Are payday loans legal in Pennsylvania?

    No. Under 63 Penn Stat. Ann. § 2325, check cashers are prohibited from lending short-term loans.

    Lending is regulated by the Consumer Discount Company Act, 7 Pa. Cons. Stat. §§ 6201 et seq. The small loan rate is capped at $9.50 per $100 in interest per year with a service charge of $1.50 per $50.

    You might want to consider an installment loan

    An installment loan is similar to a payday loan but comes with longer repayment periods and is offered in larger amounts. You can typically borrow between $500 and $5,000 and pay the loan back in as short as 3 months or as long as 3 years.

    Rates last updated December 19th, 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 Max. Loan Amount Turnaround Time Requirements
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    $5,000
    1 business day
    Must have direct deposit and meet minimum income requirements
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    $2,600
    1–2 days
    Must have an active checking account, regular source of income and email address.
    CashUSA Installment Loans
    A connection service for quick cash loans up to $10,000.
    $10,000
    As early as 1 business day
    Must have a monthly income of $1,000+ after taxes and valid checking account.
    Blue Trust Loans Installment Loans
    Get an installment loan from an online tribal lender. Perks for returning borrowers.
    $2,000
    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.
    LendYou Short-term Loans
    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
    $15,000
    1 business day
    You must be a US citizen or permanent resident, age 18+ and have a regular income.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    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.
    Slam Dunk Loans
    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.
    $2,500
    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.

    Compare up to 4 providers

    Payday loan alternatives for residents of Pennsylvania

    While you can’t get a payday loan in Pennsylvania, there are other ways to get money. If an installment loan isn’t suitable for you, consider other alternatives. Consider checking out state programs like Temporary Assistance to Needy Families (TANF) or Low-Income Home Energy Assistance Program (LIHEAP). These can help you pay down your normal bills while you work on getting control over your debt.

    • Debt consolidation loan. If you have multiple loans out at once, you can apply for a debt consolidation loan. Rather than making multiple payments with varying interest rates, you’ll make one payment with a single, usually lower, interest rate. It should help save you money in the long run. Debt consolidation loans typically require you to have good to excellent credit.
    • Negotiate with your creditors. When you’re unable to afford a payment, consider contacting your creditors and requesting a lower monthly payment. Creditors want to get paid and will often be willing to work with you to make this happen.
    • Seek credit counseling. A credit counselor can be a good way to get a handle on your debt and learn important financial skills. There are many free services out there to help so give a few a call.

    Even more alternatives to payday loans listed here

    Bottom line

    While you can’t get a payday loan in Pennsylvania, you still have other options that can help you out during a financial crisis. Consider an installment loan as another borrowing option or look into government resources for free financial help.

    Have any more questions about Pennsylvania loans?

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    14 Responses

    1. Default Gravatar
      DrusilllaNovember 12, 2018

      I need a direct lender someone who gives the loans not a broker type person who finds the lenders . I live in Butler County Pennsylvania and I DESPERATELY need a loan now today can you help me with this?

      • finder Customer Care
        AshNovember 13, 2018Staff

        Hi Drusillla,

        Thank you for reaching out to us,

        You are on the correct page as the Lenders listed on the table above a direct ones wherein you will submit your application directly to them then once approved they will be the one who will provide the loan to you. You may compare the Lenders available in your state as well as their eligibility requirements.

        You may also read above the alternative loan that you may apply to in Pennsylvania.

        Kindly read the Lender’s Terms and Conditions as well as their eligibility criteria before submitting your application. To apply, you may click on the green “Go to site” button to be redirected directly to the Lender’s site.

        I hope this helps.

        Please do not hesitate to reach out again to us if you have additional questions that you need assistance with.

        Cheers,
        Ash

    2. Default Gravatar
      NinaJuly 2, 2018

      Trying to get a pay day loan for 500 and pay back in installments

      • finder Customer Care
        nikkiangcoJuly 3, 2018Staff

        Hi Nina!

        Thanks for leaving an inquiry on our page.

        Is this your first time to get a loan? Before anything else, please make sure to check your credit score first as this will be a very influential factor for you to get approved. Simply search on our search bar “credit score and it will automatically give you the page. Also, note that any inquiry or application to any lender will also appear on your credit file.

        Though payday loans are not legal in the Penn State, you can get an instalment loan. Instalment loans have longer repayment periods and are offered in larger amounts. You can typically borrow between $500 and $5,000 and pay the loan back in as short as 3 months or as long as 3 years.

        You can check the on online instalment loans on this page.
        Make sure to take note of the eligibility requirements to form your eligibility in applying for an instalment loan.

        Hope this helps!

        Cheers,
        Nikki

    3. Default Gravatar
      CarolynApril 24, 2018

      Can i get an installment loan without a checking account?

      • finder Customer Care
        RichApril 24, 2018Staff

        Hi Carolyn.

        Thanks for your question.

        The quick answer is yes. Generally, a checking account is not the only requirement for an installment loan, but, of course this could differ from one lender to another. Typically, with your checking account, they will also be able to determine whether you can service the loan or not.

        Also, lenders will usually deduct payments from your bank account on the day the payments are due. Some lenders will also give you the options of repaying the loan online, via a check or through an app.

        So best to check with the lender you go with if they would approve your application without having a checking account. In case you might like to get an idea how installment loans generally work, please refer to this guide.

        Regards,

        Rich

    4. Default Gravatar
      NickFebruary 28, 2018

      I have a nexs debit card and need a loan.can u please help?thx.

      • Default Gravatar
        joelmarceloMarch 7, 2018

        Hi Nick,

        Thanks for leaving a question on finder.

        Unfortunately, it is illegal to get a prepaid debit payday loan in Pennsylvania. You can consider applying for an installment loan or an auto title loan. You can also look into other loan options by state to find one that’s right for your situation.

        Cheers,
        Joel

    5. Default Gravatar
      DanielNovember 11, 2017

      Is there a cash advance office in Pennsylvania with a John Williams working there?

      • finder Customer Care
        RenchNovember 11, 2017Staff

        Hi Daniel,

        Thanks for your inquiry. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

        You can have a look at this page for Cash Advance Loans. Please click the name of your preferred lender to find out the details and the minimum eligibility. You may then click the green “Go to Site” button to submit your loan application online.

        Kind regards,
        Rench

    6. Default Gravatar
      AmarpreetSeptember 14, 2017

      I need Parsnal loan.i am on duty

      • Default Gravatar
        ArnoldSeptember 14, 2017

        Hi Amarapreet,

        Thanks for your inquiry

        You may check all personal loans provider in our panel here.

        Please do not forget to check the eligibility requirements before you apply for the loan.

        Hope this information helps

        Cheers,
        Arnold

    7. Default Gravatar
      AngelaAugust 15, 2017

      I need emergency cash,no job and already have debit card, in process moving out of state and need cash for medical emergency

      • finder Customer Care
        AnndyAugust 15, 2017Staff

        Hi Angela,

        The lenders on this page may consider you for a loan even if you are currently unemployed. Generally, lenders will require you to have a bank account to apply for a loan, but some of the lenders on the page may consider you even if you don’t have a bank account but is able to get a debit card.

        Kindly review the eligibility criteria and the terms and conditions of the loan before submitting your application to know which is more suitable for you.

        Cheers,
        Anndy

    US Payday Loans Offers

    Important Information*
    CashNetUSA Loan

    Apply for a short-term loan with an easy online application and dedicated customer service.

    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.

    LendYou Short-term Loans

    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.

    Go to site