Pennsylvania Payday Loans

Pennsylvania payday loans are prohibited by law, prompting borrowers to find other means of getting short-term loans. When doing so, you need to understand the different aspects of the transaction that can help you get what you need despite the lack of legal lenders. provides you with the information you need to close this transaction within PA.

 Payday Loan Process in Pennsylvania

Getting a payday loan for PA residents is usually done through the internet. Since there are no legal lenders operating within the state, borrowers have the option of going to other creditors authorized by neighboring states. The process for this is basically the same with ordinary payday loans in which borrowers are required to meet specific conditions.

  • Must be 18 years old or more
  • Must be employed and meets minimum salary requirements
  • Must own a checking or savings account

Some payday lenders also work with banks for easier processing across states. Typically, it only takes a few days, a week at the most, for cash advance loans to be completed. Within this time, borrowers can send an application, receive approval and have their cash in the account within 7 days.

Pennsylvania Payday Loan Laws and Regulations

PA prohibits payday loans by placing a definite cap on their small loans. Currently, the small loan rate in effect is $9.50 for every $100 borrowed every year. A service charge of $1.50 is also added for every $100 borrowed annually.

The laws and regulations governing payday loans for PA residents usually vary, depending on the license of the lender. For this reason, borrowers must be circumspect with their dealings and check the rates, fees and repayment options offered by the lender. Make sure to talk things through and clear any misunderstandings before signing any kind of contract.

Pennsylvania Consumer Protection

To protect consumers when it comes to short term loans, the state of Pennsylvania has assigned the Pennsylvania Department of Banking as regulator. The organization can be contacted through various means including dropping by their office for personal conversations.

  • Address: Market Square Plaza, 17 N. Second Street Harrisburg PA 17101
  • Phone: (717) 214-8343 
  • Fax: (717) 787-8773
  • Look For: Jim Keiser Administrator of Non-Depository Institutions

The PA regulator can also be contacted through the internet via their official website. Note that lenders for PA residents likely come out of state and are therefore regulated by the state where they have license to operate. Hence, it’s also a good idea to have contact with your lender’s regulator.

Pennsylvania Payday Loan Alternatives

Payday loan alternatives for PA residents can vary, depending on the needs of the borrower. Some individuals simply go straight to friends and family, especially if the cash flow problem is minimal. Some employers are generous enough to award cash advance on employee salaries without subtracting interest rates. You can also sell some of your items or leave them at pawnshops to be claimed later. Bank loans or credit cards come with interest rates as well but are offered in friendlier rates, giving you the chance to pay on an installment basis.

Payday Loans cities in Pennsylvania:
Abington Allentown Altoona
Annville Aston Athens
Belle Vernon Bellefonte Bensalem
Berwick Bethel Park Bethlehem
Blairsville Bloomsburg Burnham
Butler Canonsburg Carlisle
Carnegie Chambersburg Cheltenham
Chester Clarks Summit Clearfield
Conshohocken Conyngham Cranberry Twp
Dickson City Dover Du Bois
Dunmore Easton Ebensburg
Ellwood City Emmaus Enola
Erie Exton Franklin
Gilbertsville Greensburg Greenville
Grove City Hanover Harrisburg
Hatboro Hazleton Hermitage
Homestead Indiana Irwin
Johnstown King Of Prussia Kingston
Lancaster Landisville Lansdale
Lebanon Levittown Mansfield
Mc Kees Rocks Mckeesport Meadville
Mechanicsburg Meyersdale Millheim
Monaca Monongahela Monroeville
Montgomeryville Morrisville Mount Pleasant
Natrona Heights Nazareth New Castle
New Hope Newtown Newtown Square
Norristown North East Oxford
Philadelphia Pittsburgh Pittston
Pleasant Hills Pottstown Quakertown
Reading Saint Marys Sayre
Scranton Sellersville Shenandoah
Somerset Spring House Trevose
Uniontown Upper Darby Warren
Warrington Washington Wayne
Waynesboro Waynesburg West Mifflin
Wexford Whitehall Wilkes Barre
Williamsport Wyomissing York

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