Loans in Wayne County, PA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Wayne County, PA.
The median household in Wayne County earns $62,381 a year, 20% below the Pennsylvania median of $77,971. About 12% of residents live below the federal poverty line, and 19.5% of households rent their home. 10.5% of households have no home internet; our form works on any phone.
What you need for a personal loan in Wayne County
Here's what to have on hand before you start your personal loan request in Wayne 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 Wayne County
What Wayne County borrowers use it for
gifts and travel without maxing a card
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Wayne 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 Wayne County
Banks with branches in Wayne County
20 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wayne Bank | 5 | 717 Main St, Honesdale 18431 |
| The Dime Bank | 5 | 820 Church St, Honesdale 18431 |
| The Honesdale National Bank | 4 | 733 Main St, Honesdale 18431 |
| NBT Bank, National Association | 3 | 1456 Lake Ariel Hwy, Lake Ariel 18436 |
| Peoples Security Bank and Trust Company | 1 | 1001 Main St, Honesdale 18431 |
| Citizens Savings Bank | 1 | 335 Willow Ave, Honesdale 18431 |
| Wells Fargo Bank, National Association | 1 | 64 Welwood Ave, Hawley 18428 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Wayne County. The nearest counties with credit unions:
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.
Credit unions in Pike County
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Heritage Financial | 111 Hulst Dr Ste 703A, Matamoras 18336 |
Source: NCUA credit union branch data, June 30, 2026.
All Pennsylvania counties and cities
Frequently asked questions
Are payday loans legal in Wayne County?
Wayne County follows Pennsylvania law. Payday loans are effectively prohibited in Pennsylvania by usury law.
Are title loans legal in Wayne County?
Title loans are not licensed in Pennsylvania and are subject to the same usury limits.
Where can I get a small loan in Wayne County?
Options include 20 bank 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 Wayne County?
Fill out our short online form from anywhere in Wayne 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 Wayne 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. Wayne County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Wayne County with bad credit?
Yes, many lenders in our network work with Wayne 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 an emergency loan in Wayne County?
Yes. When an unexpected bill comes up, Wayne 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 Wayne County, PA?
You can apply at banks, credit unions and lenders in Wayne 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.