Finding a personal loan in Pennsylvania has never been easier. Whether you're in Philadelphia, Pittsburgh, Allentown or anywhere across Pennsylvania, you can compare rates from 7.50%–24.00% APR across top US lenders — completely free with no credit score impact.
| Lender | APR Range | Loan Amount | Min. Credit | Available in PA |
|---|---|---|---|---|
| 🏆 SoFi Best APR | 8.99%–29.99% | $5K–$100K | 680+ | ✅ Yes |
| Marcus by Goldman | 6.99%–24.99% | $3.5K–$40K | 660+ | ✅ Yes |
| ⭐ LightStream Best for Good Credit | 7.49%–25.99% | $5K–$100K | 660+ | ✅ Yes |
| Upstart | 7.80%–35.99% | $1K–$50K | 300+ | ✅ Yes |
| Avant | 9.95%–35.99% | $2K–$35K | 580+ | ✅ Yes |
| LendingClub | 9.57%–35.99% | $1K–$40K | 600+ | ✅ Yes |
Pennsylvania caps interest at 24% APR for loans under $25K from licensed lenders.
We analyze APR, fees, loan amounts, and availability specifically for Pennsylvania residents. All comparisons are updated monthly.
Browsing and comparing options on TrueRateGuide does not impact your credit score. We use soft pulls only during pre-qualification.
Our comparison service is always free for Pennsylvania consumers. We earn referral fees from providers — you pay nothing.
Our Pennsylvania data is refreshed every month to reflect current rates, offers, and lender availability in your state.
Consumer lending in Pennsylvania is governed by the Pennsylvania Department of Banking and Securities. The Loan Interest and Protection Law (LIPL, Act 6 of 1974) caps interest on residential loans at 6% APR unless the lender is licensed. Licensed consumer discount companies operating under the Consumer Discount Company Act (CDCA) may extend loans up to $25,000 at higher rates, subject to state fee and disclosure rules. Pennsylvania is known for aggressive enforcement against out-of-state online lenders that try to use bank-partnership or "rent-a-bank" structures to evade the state's interest caps.
Pennsylvania lenders must provide written disclosures of APR, finance charges, payment schedules, and any late or prepayment penalties before loan origination, consistent with the federal Truth in Lending Act. If you believe a lender has charged unlawful interest, failed to disclose terms, or is operating without a required Pennsylvania license, you can file a written consumer complaint with the Pennsylvania Department of Banking and Securities online or by calling (800) 722-2657. The Department publishes a license lookup so residents can verify authorization before applying.
Personal loan rates in Pennsylvania typically range from 7.50%–24.00% APR depending on your credit score and loan amount. Borrowers with excellent credit (720+) qualify for the lowest rates.
Pennsylvania caps interest at 24% APR for loans under $25K from licensed lenders.
Most lenders in Pennsylvania require a minimum credit score of 580–660 for personal loans. Some lenders like Upstart accept scores as low as 300. A higher score (720+) will get you the best rates.
Most online lenders approve personal loan applications in Pennsylvania within 1 business day. Funds are typically deposited in 1–3 business days after approval.
Yes. Companies making consumer loans to Pennsylvania residents must be licensed under the Consumer Discount Company Act (CDCA) by the Pennsylvania Department of Banking and Securities if they charge above the 6% statutory cap set by the Loan Interest and Protection Law (LIPL). Pennsylvania aggressively enforces licensure against out-of-state online lenders attempting to make high-rate loans through bank partnership structures. Verify licensure with the Department of Banking and Securities or call (800) 722-2657 to file a complaint against unlicensed or unlawful lending.