Loans in Luzerne County, PA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Luzerne County, PA.
The median household in Luzerne County earns $63,691 a year, 18% below the Pennsylvania median of $77,971. About 15% of residents live below the federal poverty line, and 32.2% of households rent their home. 10.0% of households have no home internet; our form works on any phone.
What you need for a personal loan in Luzerne County
Most Luzerne 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 Luzerne County
What Luzerne County borrowers use it for
pay a doctor, dentist or pharmacy bill now
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 Luzerne 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 Luzerne County
Banks with branches in Luzerne County
85 FDIC-insured bank branches from 18 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| PNC Bank, National Association | 9 | 600 S Market St, Nanticoke 18634 |
| Peoples Security Bank and Trust Company | 9 | 111 E Market St, Wilkes Barre 18701 |
| Manufacturers and Traders Trust Company | 9 | 50 Laurel Mall, Hazle Township 18202 |
| Northwest Bank | 8 | 118 Main St, Luzerne 18709 |
| First Keystone Community Bank | 8 | 437 W 3rd St, Nescopeck 18635 |
| Community Bank, National Association | 7 | 350 Liberty Plz, Wilkes Barre 18702 |
| The Fidelity Deposit and Discount Bank | 7 | 225 Kennedy Blvd, Pittston 18640 |
| Citizens Bank, National Association | 5 | 40 W Broad St, West Hazleton 18202 |
| Wells Fargo Bank, National Association | 4 | 11 Narrows Shopping Center, Edwardsville 18704 |
| Truist Bank | 4 | 12 E Broad St, Hazleton 18201 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Luzerne County
40 credit-union locations from 16 credit unions.
| Credit union | Location |
|---|---|
| Highway | 405 Laurel St, Hughestown 18640 |
| Service 1St | 620 Baltimore Dr, Wilkes Barre 18702 |
| Cross Valley | 640 Baltimore Dr, Wilkes Barre 18702 |
| P & G Mehoopany Employees | 2859 Sr 309 Hwy, Dallas 18612 |
| Ufcw Community | 377 Wyoming Ave, Wyoming 18644 |
| Choice One Community | 101 Hazle St, Wilkes Barre 18702 |
| Citymark | 40 E Market St, Wilkes Barre 18711 |
| Corner Post | 566 S Main St, Wilkes Barre 18701 |
| Vantage Trust | 247 Wilkes Barre Township Blvd, Wilkes Barre 18702 |
| Earning Tree | 800 Wyoming Ave, Wyoming 18644 |
| Wyoming Valley Educational Empl | 672 S River St Ste 109, Plains 18705 |
| Hazleton School Employees | 1049 Wilbur Ct, Hazle Township 18202 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Luzerne County
All Pennsylvania counties and cities
Frequently asked questions
Are payday loans legal in Luzerne County?
Luzerne County follows Pennsylvania law. Payday loans are effectively prohibited in Pennsylvania by usury law.
Are title loans legal in Luzerne County?
Title loans are not licensed in Pennsylvania and are subject to the same usury limits.
Where can I get a small loan in Luzerne County?
Options include 85 bank and 40 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 Luzerne County?
Fill out our short online form from anywhere in Luzerne 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 Luzerne County?
Yes. You don't need to visit a branch or storefront anywhere in Luzerne 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.
Where can I get a loan in Luzerne County, PA?
You can apply at banks, credit unions and lenders in Luzerne 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 Luzerne 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. Luzerne County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Luzerne County with bad credit?
Yes, many lenders in our network work with Luzerne 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.