Loans in Philadelphia County, PA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Philadelphia County, PA.
The median household in Philadelphia County earns $61,953 a year, 21% below the Pennsylvania median of $77,971. About 21% of residents live below the federal poverty line, and 48.2% of households rent their home.
What you need for a personal loan in Philadelphia County
Here's what to have on hand before you start your personal loan request in Philadelphia 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 Philadelphia County
What Philadelphia County borrowers use it for
handle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Philadelphia 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 Philadelphia County
Banks with branches in Philadelphia County
250 FDIC-insured bank branches from 35 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Citizens Bank, National Association | 35 | 1027 Arch St, Philadelphia 19107 |
| PNC Bank, National Association | 34 | 801 Christian St, Philadelphia 19147 |
| Wells Fargo Bank, National Association | 31 | 1700 Market St, Philadelphia 19103 |
| TD Bank, National Association | 19 | 3735 Walnut St, Philadelphia 19104 |
| JPMorgan Chase Bank, National Association | 19 | 1636 Walnut St, Philadelphia 19103 |
| Bank of America, National Association | 16 | 4610 City Ave, Philadelphia 19131 |
| Fulton Bank, National Association | 12 | 50 S 16th St, Philadelphia 19102 |
| Wilmington Savings Fund Society, FSB | 11 | 1901 E Passyunk Ave, Philadelphia 19148 |
| Santander Bank, N.A. | 11 | 2401 E Venango St, Philadelphia 19134 |
| Truist Bank | 9 | 9 W Evergreen Ave, Philadelphia 19118 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Philadelphia County
83 credit-union locations from 33 credit unions.
| Credit union | Location |
|---|---|
| American Airlines | 8500 Essington Ave Ste B, Philadelphia 19153 |
| Philadelphia | 1108 Chestnut St, Philadelphia 19107 |
| Sun | 2800 W Passyunk Ave, Philadelphia 19145 |
| Fedchoice | 2970 Market St, Philadelphia 19104 |
| Eagle One | 7500 Lindbergh Blvd, Philadelphia 19176 |
| Advantage Financial | 5000 Wissahickon Ave, Philadelphia 19144 |
| Transit Workers | 919 E Cayuga St, Philadelphia 19124 |
| Navy Federal Credit Union | 330 W Oregon Ave, Philadelphia 19148 |
| Police & Fire | 901 Arch St, Philadelphia 19107 |
| American Heritage | 2060 Red Lion Rd, Philadelphia 19115 |
| Citadel | 30 S 17Th St, Philadelphia 19103 |
| Franklin Mint | 3200 Chestnut St, Philadelphia 19104 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Philadelphia County
All Pennsylvania counties and cities
Frequently asked questions
Are payday loans legal in Philadelphia County?
Philadelphia County follows Pennsylvania law. Payday loans are effectively prohibited in Pennsylvania by usury law.
Are title loans legal in Philadelphia County?
Title loans are not licensed in Pennsylvania and are subject to the same usury limits.
Where can I get a small loan in Philadelphia County?
Options include 250 bank and 83 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 Philadelphia County?
Fill out our short online form from anywhere in Philadelphia 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 an emergency loan in Philadelphia County?
Yes. When an unexpected bill comes up, Philadelphia 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 Philadelphia County, PA?
You can apply at banks, credit unions and lenders in Philadelphia 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 Philadelphia 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. Philadelphia County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Philadelphia County with bad credit?
Yes, many lenders in our network work with Philadelphia 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.