Loans in Franklin County, PA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Franklin County, PA.
The median household in Franklin County earns $77,003 a year, about the same as the Pennsylvania median of $77,971. About 8% of residents live below the federal poverty line, and 26.5% of households rent their home.
What you need for a personal loan in Franklin County
Lenders that serve Franklin County typically ask for the following:
- 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 Franklin County
What Franklin County borrowers use it for
gifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Franklin 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 Franklin County
Banks with branches in Franklin County
38 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Manufacturers and Traders Trust Company | 12 | 55 S Main St, Chambersburg 17201 |
| Farmers and Merchants Trust Company of Chambersburg | 12 | 20 S Main St, Chambersburg 17201 |
| Orrstown Bank | 5 | 12 S Main St, Mercersburg 17236 |
| Truist Bank | 4 | 40 Center Sq, Greencastle 17225 |
| The Juniata Valley Bank | 1 | 16400 Path Valley Rd, Spring Run 17262 |
| Woodforest National Bank | 1 | 1730 Lincoln Way E, Chambersburg 17202 |
| ACNB Bank | 1 | 850 Norland Ave, Chambersburg 17201 |
| Middletown Valley Bank | 1 | 11337 Buchanan Trl E, Waynesboro 17268 |
| Community State Bank of Orbisonia | 1 | 454 Loudon Rd., Mercersburg 17236 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Franklin County
13 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Corning | 11677 Molly Pitcher Hwy, Greencastle 17225 |
| Patriot | 800 Wayne Ave, Chambersburg 17201 |
| 1St Ed Credit Union | 1156 Kennebec Dr, Chambersburg 17201 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Franklin County
All Pennsylvania counties and cities
Frequently asked questions
Are payday loans legal in Franklin County?
Franklin County follows Pennsylvania law. Payday loans are effectively prohibited in Pennsylvania by usury law.
Are title loans legal in Franklin County?
Title loans are not licensed in Pennsylvania and are subject to the same usury limits.
Where can I get a small loan in Franklin County?
Options include 38 bank and 13 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 Franklin County?
Fill out our short online form from anywhere in Franklin 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 Franklin County?
Yes. You don't need to visit a branch or storefront anywhere in Franklin 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 Franklin County with bad credit?
Yes, many lenders in our network work with Franklin 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 Franklin 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. Franklin County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Franklin County, PA?
You can apply at banks, credit unions and lenders in Franklin 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.