Loans in Cambria County, PA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Cambria County, PA.
The median household in Cambria County earns $58,418 a year, 25% below the Pennsylvania median of $77,971. About 14% of residents live below the federal poverty line, and 23.6% of households rent their home. 13.0% of households have no home internet; our form works on any phone.
What you need for a personal loan in Cambria County
Most Cambria 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 Cambria County
What Cambria County borrowers use it for
handle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Cambria 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 Cambria County
Banks with branches in Cambria County
59 FDIC-insured bank branches from 13 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First National Bank of Pennsylvania | 10 | 111 W High St, Ebensburg 15931 |
| 1st Summit Bank | 10 | 125 Donald Ln, Johnstown 15904 |
| Ameriserv Financial Bank | 8 | 216 Franklin St, Johnstown 15901 |
| First Commonwealth Bank | 7 | 436 Magee Ave, Patton 16668 |
| Somerset Trust Company | 5 | 500 Main St, Lilly 15938 |
| S&T Bank | 4 | 701 Main St, Gallitzin 16641 |
| PennCrest Bank | 4 | 700 2nd St, Cresson 16630 |
| Slovenian Savings and Loan Association of Franklin-Conemaugh | 4 | 361 1st St, Conemaugh 15909 |
| Northwest Bank | 2 | 475 Theatre Dr, Johnstown 15904 |
| InFirst Bank | 2 | 1420 Scalp Ave, Johnstown 15904 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Cambria County
20 credit-union locations from 9 credit unions.
| Credit union | Location |
|---|---|
| G.A.P. | 111 Franklin St Rm 224, Johnstown 15901 |
| Ussco Johnstown | 522 Central Ave, Johnstown 15902 |
| Healthcare First Credit Union | 1152 Franklin St, Johnstown 15905 |
| Merho | 15 Irene St, Johnstown 15905 |
| C-B-W Schools | Po Box 400, Sidman 15955 |
| Franklin Johnstown | 310 Bloomfield St, Johnstown 15904 |
| Prr South Fork | 220 Main St, South Fork 15956 |
| Vasco | 308 Luther Rd, Johnstown 15904 |
| Johnstown School Employees | 738 Viewmont Ave, Johnstown 15905 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Cambria County
All Pennsylvania counties and cities
Frequently asked questions
Are payday loans legal in Cambria County?
Cambria County follows Pennsylvania law. Payday loans are effectively prohibited in Pennsylvania by usury law.
Are title loans legal in Cambria County?
Title loans are not licensed in Pennsylvania and are subject to the same usury limits.
Where can I get a small loan in Cambria County?
Options include 59 bank and 20 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 Cambria County?
Fill out our short online form from anywhere in Cambria 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 Cambria County?
Yes. When an unexpected bill comes up, Cambria 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.
Where can I get a loan in Cambria County, PA?
You can apply at banks, credit unions and lenders in Cambria 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.
Can I apply for a loan online in Cambria County?
Yes. You don't need to visit a branch or storefront anywhere in Cambria 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 Cambria County with bad credit?
Yes, many lenders in our network work with Cambria 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.