Payday loans in Pennsylvania | finder.com
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.

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 October 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.
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.
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.
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.
LendYou Short-term Loans
Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
$15,000
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
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.
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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12 Responses

  1. 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

  2. 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

  3. Default Gravatar
    NickFebruary 28, 2018

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

    • finder Customer Care
      joelmarceloMarch 7, 2018Staff

      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

  4. 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

  5. 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

  6. 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*
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.

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