Loans in Lycoming County, PA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lycoming County, PA.
The median household in Lycoming County earns $63,917 a year, 18% below the Pennsylvania median of $77,971. About 13% of residents live below the federal poverty line, and 30.9% of households rent their home.
What you need for a personal loan in Lycoming County
Here's what to have on hand before you start your personal loan request in Lycoming 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 Lycoming County
What Lycoming County borrowers use it for
handle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Lycoming 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 Lycoming County
Banks with branches in Lycoming County
45 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Northwest Bank | 10 | 300 Market St, Williamsport 17701 |
| Journey Bank | 8 | 2 N Main St, Muncy 17756 |
| Woodlands Bank | 7 | 2450 E 3rd St, Williamsport 17701 |
| Citizens & Northern Bank | 6 | 3461 Route 405 Hwy, Muncy 17756 |
| First Commonwealth Bank | 5 | 355 Broad St, Montoursville 17754 |
| Manufacturers and Traders Trust Company | 4 | 2001 W 4th St, Williamsport 17701 |
| Truist Bank | 2 | 204 Hepburn St, Williamsport 17701 |
| PNC Bank, National Association | 1 | 137 W 4th St, Williamsport 17701 |
| First National Bank of Pennsylvania | 1 | 90 Maynard St, Williamsport 17701 |
| First Citizens Community Bank | 1 | 1732 E 3rd St, Williamsport 17701 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lycoming County
14 credit-union locations from 9 credit unions.
| Credit union | Location |
|---|---|
| Members 1St | 1935 E 3Rd St, Williamsport 17701 |
| Service 1St | 814 Westminster Dr, Williamsport 17701 |
| Horizon | 1007 E 3Rd St, Williamsport 17701 |
| Palco Fcu | 191 Chad Rd, Muncy 17756 |
| Wyrope Williamsport | 1536 Riverside Dr, S Williamsport 17702 |
| West Branch Valley | 2440 Lycoming Creek Rd, Williamsport 17701 |
| Williamsport Teachers | 302 Matthews Blvd, South Williamsport 17702 |
| Montoursville Area | 999 N Loyalsock Ave Ste A, Montoursville 17754 |
| Lonza | 3500 Trenton Ave, Williamsport 17701 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Lycoming County
All Pennsylvania counties and cities
Frequently asked questions
Are payday loans legal in Lycoming County?
Lycoming County follows Pennsylvania law. Payday loans are effectively prohibited in Pennsylvania by usury law.
Are title loans legal in Lycoming County?
Title loans are not licensed in Pennsylvania and are subject to the same usury limits.
Where can I get a small loan in Lycoming County?
Options include 45 bank and 14 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 Lycoming County?
Fill out our short online form from anywhere in Lycoming 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.
Where can I get a loan in Lycoming County, PA?
You can apply at banks, credit unions and lenders in Lycoming 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 Lycoming County with bad credit?
Yes, many lenders in our network work with Lycoming 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 Lycoming 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. Lycoming County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Lycoming County?
Yes. When an unexpected bill comes up, Lycoming 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.