Loans in Monroe County, PA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Monroe County, PA.
The median household in Monroe County earns $83,565 a year, 7% above the Pennsylvania median of $77,971. About 11% of residents live below the federal poverty line, and 19.8% of households rent their home.
What you need for a personal loan in Monroe County
Here's what to have on hand before you start your personal loan request in Monroe 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 Monroe County
What Monroe County borrowers use it for
handle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Monroe 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 Monroe County
Banks with branches in Monroe County
42 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| CNB Bank | 8 | 200 Palmer St, Stroudsburg 18360 |
| PNC Bank, National Association | 6 | 1336 Pocono Blvd, Mount Pocono 18344 |
| First Northern Bank and Trust Company | 5 | 1256 Route 209, Gilbert 18331 |
| First Keystone Community Bank | 4 | 559 Main St, Stroudsburg 18360 |
| Wayne Bank | 4 | 308 Stroud Mall Rd, Stroudsburg 18360 |
| Wells Fargo Bank, National Association | 3 | 400 Main St, Stroudsburg 18360 |
| NBT Bank, National Association | 3 | 3418 Route 940, Mount Pocono 18344 |
| Citizens Bank, National Association | 2 | 814 Main St, Stroudsburg 18360 |
| Woodforest National Bank | 2 | 3271 Route 940, Mount Pocono 18344 |
| Peoples Security Bank and Trust Company | 1 | 406 Pocono Boulevard, Mount Pocono 18344 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Monroe County
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Pennsylvania State Employees | 200 Prospect St, East Stroudsburg 18301 |
| Polish & Slavic | 334 N 9Th St, Stroudsburg 18360 |
| Utilities Employees | 337 Clay Ave, Stroudsburg 18360 |
| Pocono Medical Center | 206 E Brown St, East Stroudsburg 18301 |
Source: NCUA credit union branch data, June 30, 2026.
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Frequently asked questions
Are payday loans legal in Monroe County?
Monroe County follows Pennsylvania law. Payday loans are effectively prohibited in Pennsylvania by usury law.
Are title loans legal in Monroe County?
Title loans are not licensed in Pennsylvania and are subject to the same usury limits.
Where can I get a small loan in Monroe County?
Options include 42 bank and 4 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 Monroe County?
Fill out our short online form from anywhere in Monroe 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 Monroe County, PA?
You can apply at banks, credit unions and lenders in Monroe 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 an emergency loan in Monroe County?
Yes. When an unexpected bill comes up, Monroe 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.
Can I apply for a loan online in Monroe County?
Yes. You don't need to visit a branch or storefront anywhere in Monroe 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 Monroe County with bad credit?
Yes, many lenders in our network work with Monroe 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.