Loans in Bradford County, PA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Bradford County, PA.
The median household in Bradford County earns $63,675 a year, 18% below the Pennsylvania median of $77,971. About 13% of residents live below the federal poverty line, and 27.8% of households rent their home. 10.2% of households have no home internet; our form works on any phone.
What you need for a personal loan in Bradford County
Here's what to have on hand before you start your personal loan request in Bradford County:
- 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 Bradford County
What Bradford County borrowers use it for
deposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Bradford 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 Bradford County
Banks with branches in Bradford County
24 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Citizens Community Bank | 9 | 1133 W Main St, Troy 16947 |
| Citizens & Northern Bank | 6 | 423/433 Reuter Boulevard, Towanda 18848 |
| PS Bank | 4 | 42621 Route 6, Wyalusing 18853 |
| Chemung Canal Trust Company, National Association | 2 | 5 W Main St, Canton 17724 |
| Manufacturers and Traders Trust Company | 2 | 40 Colonial Dr, Towanda 18848 |
| Community Bank, National Association | 1 | 426 State Street, Wyalusing 18853 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Bradford County
8 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Visions | 232 Ennis Ln, Towanda 18848 |
| Alero Financial | 107 Reuter Blvd, Towanda 18848 |
| P & G Mehoopany Employees | 234 State St, Wyalusing 18853 |
| Ingersoll-Rand | 1482 Golden Mile, Wysox 18854 |
| Guthrie Community | 104 N Elmer Ave, Sayre 18840 |
Source: NCUA credit union branch data, June 30, 2026.
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Frequently asked questions
Are payday loans legal in Bradford County?
Bradford County follows Pennsylvania law. Payday loans are effectively prohibited in Pennsylvania by usury law.
Are title loans legal in Bradford County?
Title loans are not licensed in Pennsylvania and are subject to the same usury limits.
Where can I get a small loan in Bradford County?
Options include 24 bank and 8 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 Bradford County?
Fill out our short online form from anywhere in Bradford 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 Bradford County?
Yes. When an unexpected bill comes up, Bradford 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 get a loan in Bradford County with bad credit?
Yes, many lenders in our network work with Bradford 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.
Can I get a loan in Bradford County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Bradford County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Bradford County, PA?
You can apply at banks, credit unions and lenders in Bradford 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.