Loans in Berks County, PA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Berks County, PA.
The median household in Berks County earns $79,777 a year, about the same as the Pennsylvania median of $77,971. About 12% of residents live below the federal poverty line, and 28.7% of households rent their home.
What you need for a personal loan in Berks County
Most Berks County applicants can finish in one sitting if they have these ready:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Berks County
What Berks County borrowers use it for
deposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Berks County
Payday Loans Not available
Payday loans are effectively prohibited in Pennsylvania by usury law.
Personal Loans
Licensed consumer discount companies: $9.50 per $100 yearly add-on plus fees; unlicensed: 6%.
Title Loans Not available
Title loans are not licensed in Pennsylvania and are subject to the same usury limits.
Banks and credit unions in Berks County
Banks with branches in Berks County
92 FDIC-insured bank branches from 21 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Truist Bank | 14 | 110 W Main St, Kutztown 19530 |
| Manufacturers and Traders Trust Company | 12 | 50 N 5th St, Reading 19601 |
| Tompkins Bank & Trust | 12 | 1240 Broadcasting Rd, Wyomissing 19610 |
| Wells Fargo Bank, National Association | 7 | 540 Penn St, Reading 19602 |
| Fleetwood Bank | 7 | 2 W Main St, Fleetwood 19522 |
| Fulton Bank, National Association | 7 | 210 N 5th St, Reading 19601 |
| Santander Bank, N.A. | 6 | 601 Penn St, Reading 19601 |
| Citizens Bank, National Association | 6 | 830 Lancaster Ave, Reading 19607 |
| First National Bank of Pennsylvania | 4 | 3045 N 5th Street Hwy, Reading 19605 |
| Mid Penn Bank | 3 | 1310 Broadcasting Rd, Wyomissing 19610 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Berks County
26 credit-union locations from 11 credit unions.
| Credit union | Location |
|---|---|
| Members 1St | 4363 Perkiomen Ave, Reading 19606 |
| Sun | 2209 Quarry Dr, West Lawn 19609 |
| Visions | 4655 Perkiomen Ave, Reading 19606 |
| First Commonwealth | 15093 Kutztown Rd, Kutztown 19530 |
| Diamond | 1500 Ethan Dr, Wyomissing 19610 |
| Utilities Employees | 11 Meridian Blvd, Wyomissing 19610 |
| Riverfront | 2001 Museum Rd, Wyomissing 19610 |
| Discovery | 2744 Century Blvd, Wyomissing 19610 |
| Pagoda | 833 Washington St, Reading 19601 |
| Reading Berks School Employees | 4641 Pottsville Pike, Reading 19605 |
| Berylco Employees' | 251 N 4Th St # L2, Hamburg 19526 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Berks County
All Pennsylvania counties and cities
Frequently asked questions
Are payday loans legal in Berks County?
Berks County follows Pennsylvania law. Payday loans are effectively prohibited in Pennsylvania by usury law.
Are title loans legal in Berks County?
Title loans are not licensed in Pennsylvania and are subject to the same usury limits.
Where can I get a small loan in Berks County?
Options include 92 bank and 26 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Berks County?
Fill out our short online form from anywhere in Berks County. We share it with lenders in our network that serve Pennsylvania; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get an emergency loan in Berks County?
Yes. When an unexpected bill comes up, Berks County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I apply for a loan online in Berks County?
Yes. You don't need to visit a branch or storefront anywhere in Berks County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Pennsylvania. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get a loan in Berks County with bad credit?
Yes, many lenders in our network work with Berks County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Where can I get a loan in Berks County, PA?
You can apply at banks, credit unions and lenders in Berks County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Pennsylvania residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.