Personal loans in Pennsylvania

Consumer lending in Pennsylvania is regulated by the Pennsylvania Department of Banking & Securities. Below are the sourced rules that affect what a lender can charge you, followed by the cities we cover.

Lending rules in Pennsylvania

Payday lending	No specific payday lending statute; lenders must comply with the state's interest-rate cap on consumer loans, which effectively bars high-cost payday lending. NCSL lists this jurisdiction among those with no specific payday lending statute and/or an applicable consumer-loan rate cap.Source: National Conference of State Legislatures · as of 2023
Small-loan / installment licensing	Consumer lenders must obtain a state license (Yes). Statutory basis: 7 Pa. Stat. Ann. §§ 6201 et seq. Licensing administered through NMLS: No.Source: Conference of State Bank Supervisors · as of 2026
Interest rate cap (usury limit)	Usury limit: 6% for amounts of $50,000 or less (41 Pa. Stat. Ann. § 201 (2020)). Finance rates and fees for licensed lenders: 9.5% discount per annum for the first 48 months 6% discount per annum for the remaining term of the loan OR 24% per annum. CSBS 50-state survey of consumer finance laws; state-verified usury catalog.Source: Conference of State Bank Supervisors · as of 2026
Consumer lending regulator	Consumer lenders in Pennsylvania are licensed and supervised by the Pennsylvania Department of Banking & Securities.Source: Conference of State Bank Supervisors · as of 2026
Debt collection rules	Third-party debt collectors must comply with the federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.; state consumer-protection and debt-collection enforcement is handled by the Pennsylvania Office of Attorney General. The FDCPA expressly authorizes state attorneys general to enforce it (15 U.S.C. § 1692l). Some states also require collection agencies to be licensed.Source: Pennsylvania Office of Attorney General · as of 2026
Military lending protections	The federal Military Lending Act (MLA) caps the Military Annual Percentage Rate (MAPR) at 36% for consumer credit extended to active-duty service members, their spouses and certain dependents, and bars mandatory arbitration and prepayment penalties on covered loans. Federal protection that applies nationwide, including in this state.Source: Consumer Financial Protection Bureau · as of 2024
Complaint / licensing lookup	Check whether a lender holds a state license through NMLS Consumer Access (nmlsconsumeraccess.org) or the Pennsylvania Department of Banking & Securities; consumers can file complaints with the Pennsylvania Department of Banking & Securities or the CFPB at consumerfinance.gov/complaint.Source: Nationwide Multistate Licensing System (NMLS) Consumer Access · as of 2026

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Cities in Pennsylvania

Philadelphia Pittsburgh Allentown Harrisburg Lancaster Scranton Reading York Erie Pottstown State College Lebanon Bethlehem Altoona Hanover Levittown Wilkes-Barre Norristown Bethel Park Chester Hazleton Monroeville Drexel Hill Williamsport Easton Plum King of Prussia Allison Park Chambersburg New Castle Baldwin Murrysville Carlisle West Mifflin Johnstown West Chester Lansdale Phoenixville McKeesport Hermitage Colonial Park Fullerton Franklin Park Greensburg Hershey Weigelstown Wilkinsburg Ardmore Dunmore Willow Grove Ephrata Indiana Butler Pottsville Washington Coatesville Kingston Sharon Carnot-Moon Meadville Montgomeryville Bloomsburg St. Marys New Kensington Jefferson Hills Yeadon Mountain Top Lower Burrell Emmaus Elizabethtown Progress Shiloh Wyomissing Lansdowne Broomall Waynesboro Munhall Darby Nanticoke Berwick Woodlyn Northampton Columbia Roslyn Brentwood Uniontown Croydon East Stroudsburg Sunbury Oil City Morrisville Canonsburg Lititz Middletown Warren Willow Street Mechanicsburg Quakertown Aliquippa Harleysville Conshohocken Beaver Falls Perkasie Glenshaw Northwest Harborcreek Fairless Hills Park Forest Village Audubon Bala Cynwyd Collingdale Jeannette Carbondale Kulpsville Sanatoga East York Swissvale Village Green-Green Ridge Lewistown Old Forge Lock Haven Pleasant Hills Folsom Castle Shannon Bellevue Dormont Mount Joy Brookhaven Wilson Breinigsville Hatboro Parkville Camp Hill Carnegie Latrobe Downingtown Grove City Bradford Blandon Palmyra Leola Millersville White Oak Pittston Ellwood City Villanova DuBois Middletown New Cumberland Wayne Gettysburg Glenside Archbald Maple Glen Ancient Oaks Glenolden Souderton Ridley Park Connellsville Wescosville Shamokin Ambridge Monessen Tamaqua Huntingdon Richboro Clifton Heights Elkins Park Ambler Plymouth Meeting Folcroft Oakmont West View Lionville Milton Blakely Homeacre-Lyndora Swarthmore Rutherford Catasauqua Red Lion Blue Bell Prospect Park Forest Hills Chesnut Hill Linglestown Arlington Heights Taylor South Williamsport Corry Clairton Fort Washington Penn Wynne Steelton Bellefonte Franklin Oreland Hellertown Exton Crafton Somerset Dickson City Enola Nazareth Gilbertsville Clearfield Kennett Square Sharon Hill Moosic McKees Rocks Norwood Stroudsburg Churchville Paoli Media Newtown Grant Punxsutawney Selinsgrove Schlusser Plymouth New Brighton New Holland Mount Carmel Wyndmoor Oxford Shippensburg California Monaca Hollidaysburg Lawnton Palmerton Greenville Bryn Mawr Campbelltown Coraopolis Boothwyn Exeter Sayre Tyrone Shillington Chesterbrook Pennside Merion Station Eagleville Olyphant Lewisburg Sierra View Fox Chapel Titusville Duquesne Whitfield Lehighton Schuylkill Haven Trooper Bangor Dorneyville Shanor-Northvue Turtle Creek Clarks Summit Birdsboro Edinboro West Hazleton Vandergrift West York Manheim Duryea Swoyersville Westmont Collegeville Paxtonia Bridgeport Edwardsville Royersford Treasure Lake Telford New Freedom Sugarcreek Green Tree Fountain Hill Bridgeville Arnold Spry Avalon Littlestown Montoursville Kenmar Jenkintown West Pittston Spring House Lemoyne Lorane Flourtown East Petersburg Donora Cornwall Penn Estates Jim Thorpe Jessup Indian Mountain Lake Sellersville Hummelstown West Reading Narberth Glassport Grantley Beaver Brittany Farms-The Highlands Honesdale Scottdale Minersville Boalsburg North Braddock Tarentum Maytown Shenandoah Farrell Hamburg Danville Slatington Sharpsville Mount Pleasant Kutztown Sinking Spring Chalfont Boyertown Larksville Laureldale Charleroi Aldan Forty Fort Greencastle Saw Creek Jersey Shore Monongahela Jacksonwald Dallastown Akron Level Green Skyline View Lansford Reiffton Trevose Palmer Heights Meridian Throop Rosemont Fleetwood Clarion McGovern Amity Gardens Ridgway Waynesburg McMurray Brookville Schnecksville Trappe Warminster Heights Baden Windber Carroll Valley Kittanning Frazer Emigsville Northumberland Irwin Zelienople Pennsburg Parkesburg Elim Shrewsbury Kutztown University Frackville Thompsonville Denver Freeland Pocono Woodland Lakes Riverview Park Port Vue Thorndale Berwyn Kane Eastlawn Gardens Saint Davids Mahanoy City Northern Cambria Pleasant Gap Greenwood Wyncote Manor Pen Argyl Rochester Spring City Wellsboro Mifflinburg Etna Millvale Pottsgrove Loyalhanna Ebensburg Brownstown Springdale

Personal loans in Pennsylvania

Lending rules in Pennsylvania

Calculate your loan

Cities in Pennsylvania

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