Loans in Lackawanna County, PA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lackawanna County, PA.
The median household in Lackawanna County earns $66,223 a year, 15% below the Pennsylvania median of $77,971. About 14% of residents live below the federal poverty line, and 34.6% of households rent their home.
What you need for a personal loan in Lackawanna County
Most Lackawanna 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 Lackawanna County
What Lackawanna County borrowers use it for
deposits, trucks and first-week expenses
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Lackawanna 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 Lackawanna County
Banks with branches in Lackawanna County
75 FDIC-insured bank branches from 17 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Peoples Security Bank and Trust Company | 11 | 1901 Sanderson Ave, Scranton 18509 |
| NBT Bank, National Association | 10 | 736 Main St, Dickson City 18519 |
| Community Bank, National Association | 9 | 645 Washington Ave, Jermyn 18433 |
| The Fidelity Deposit and Discount Bank | 9 | 101 N Blakely St, Dunmore 18512 |
| PNC Bank, National Association | 6 | 533 Main St, Peckville 18452 |
| The Honesdale National Bank | 5 | 13 Chapman Lake Rd, Scott Township 18447 |
| Wells Fargo Bank, National Association | 4 | 101 N Main Ave, Scranton 18504 |
| First National Bank of Pennsylvania | 4 | 125 N State St, Clarks Summit 18411 |
| Citizens Savings Bank | 4 | 500 S State St, Clarks Summit 18411 |
| PS Bank | 3 | 100 Old Lackawanna Trl, Clarks Summit 18411 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lackawanna County
15 credit-union locations from 8 credit unions.
| Credit union | Location |
|---|---|
| Net | 1444 E Lackawanna St, Olyphant 18447 |
| Cmc-Fcpi Employees | 415 Colfax Ave, Scranton 18510 |
| Pentagon | 201 Franklin Ave, Scranton 18503 |
| Penn East | 441 N 7Th Ave, Scranton 18503 |
| Choice One Community | 510 Bridge St, Old Forge 18518 |
| Citymark | 201 N Main St, Old Forge 18518 |
| Scranton Downtown | 129 Penn Ave, Scranton 18503 |
| Spojnia | 1006 Pittston Ave, Scranton 18505 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Lackawanna County
All Pennsylvania counties and cities
Frequently asked questions
Are payday loans legal in Lackawanna County?
Lackawanna County follows Pennsylvania law. Payday loans are effectively prohibited in Pennsylvania by usury law.
Are title loans legal in Lackawanna County?
Title loans are not licensed in Pennsylvania and are subject to the same usury limits.
Where can I get a small loan in Lackawanna County?
Options include 75 bank and 15 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 Lackawanna County?
Fill out our short online form from anywhere in Lackawanna 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 a loan in Lackawanna 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. Lackawanna County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Lackawanna County?
Yes. When an unexpected bill comes up, Lackawanna 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 Lackawanna County, PA?
You can apply at banks, credit unions and lenders in Lackawanna 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 Lackawanna County with bad credit?
Yes, many lenders in our network work with Lackawanna 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.