Loans in Cumberland County, PA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Cumberland County, PA.
The median household in Cumberland County earns $87,494 a year, 12% above the Pennsylvania median of $77,971. About 8% of residents live below the federal poverty line, and 28.7% of households rent their home.
What you need for a personal loan in Cumberland County
Here's what to have on hand before you start your personal loan request in Cumberland 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 Cumberland County
What Cumberland County borrowers use it for
the fastest options online
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Cumberland 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 Cumberland County
Banks with branches in Cumberland County
62 FDIC-insured bank branches from 21 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Manufacturers and Traders Trust Company | 10 | 1200 Market St, Lemoyne 17043 |
| Farmers and Merchants Trust Company of Chambersburg | 8 | 3907 Market St, Camp Hill 17011 |
| Orrstown Bank | 5 | 427 Village Dr, Carlisle 17015 |
| Mid Penn Bank | 4 | 4622 Carlisle Pike, Mechanicsburg 17050 |
| First National Bank of Pennsylvania | 4 | 4860 Carlisle Pike, Mechanicsburg 17050 |
| Santander Bank, N.A. | 4 | 401 Enola Road, Enola 17025 |
| Wells Fargo Bank, National Association | 3 | 604 E High St, Carlisle 17013 |
| PNC Bank, National Association | 3 | 110 S 32nd St, Camp Hill 17011 |
| Woodforest National Bank | 3 | 60 Noble Blvd, Carlisle 17013 |
| Burke & Herbert Bank & Trust Company | 2 | 3045 Market St, Camp Hill 17011 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Cumberland County
27 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Members 1St | 5000 Marketplace Way, Enola 17025 |
| Americhoice | 2175 Bumble Bee Hollow Rd, Mechanicsburg 17055 |
| Navy Federal Credit Union | 842 Sumner Rd, Carlisle 17013 |
| Pennsylvania State Employees | 1871 Old Main Dr, Shippensburg 17257 |
| Belco Community Credit Union | 5304 Carlisle Pike, Mechanicsburg 17050 |
| New Cumberland | 6692 Carlisle Pike, Mechanicsburg 17050 |
| Susquehanna Valley | 3850 Hartzdale Dr, Camp Hill 17011 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Cumberland County
All Pennsylvania counties and cities
Frequently asked questions
Are payday loans legal in Cumberland County?
Cumberland County follows Pennsylvania law. Payday loans are effectively prohibited in Pennsylvania by usury law.
Are title loans legal in Cumberland County?
Title loans are not licensed in Pennsylvania and are subject to the same usury limits.
Where can I get a small loan in Cumberland County?
Options include 62 bank and 27 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 Cumberland County?
Fill out our short online form from anywhere in Cumberland 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 apply for a loan online in Cumberland County?
Yes. You don't need to visit a branch or storefront anywhere in Cumberland 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 Cumberland County with bad credit?
Yes, many lenders in our network work with Cumberland 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 Cumberland County, PA?
You can apply at banks, credit unions and lenders in Cumberland 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 get a loan in Cumberland 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. Cumberland County residents can start any time, and it takes about 3 minutes.