Personal loans in Bloomsburg, PA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Bloomsburg, PA.
The median household in Bloomsburg earns $51,536 a year, 34% below the Pennsylvania median of $77,971. About 26% of residents live below the federal poverty line, and 64.6% of households rent their home.
Pennsylvania law that applies in Bloomsburg
| Rate cap | Interest or discount of up to $9.50 per $100 per year, computed on the face amount for the full term, for contracts repayable within 48 months, and $6 per $100 per year for any remainder beyond 48 months. |
|---|---|
| License required | Yes. |
| Loan sizes covered | Loans of $25,000 or less (the face amount may exceed $25,000 by the precomputed charges). |
Full rules with statute citations: Personal Loans in Pennsylvania. Cities in Pennsylvania cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Bloomsburg
Lenders that serve Bloomsburg typically ask for the following:
- 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 Bloomsburg
What Bloomsburg borrowers use it for
pay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Bloomsburg
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Bloomsburg
10 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Journey Bank | 6 | 1199 Lightstreet Rd, Bloomsburg 17815 |
| First Keystone Community Bank | 1 | 2301 Columbia Blvd, Bloomsburg 17815 |
| Manufacturers and Traders Trust Company | 1 | 415 Central Rd, Bloomsburg 17815 |
| PNC Bank, National Association | 1 | 1008 Columbia Blvd, Bloomsburg 17815 |
| Fulton Bank, National Association | 1 | 37 W Main St, Bloomsburg 17815 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Bloomsburg
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Philadelphia | 1615 Columbia Blvd, Bloomsburg 17815 |
| Pennsylvania State Employees | 400 E 2Nd St, Bloomsburg 17815 |
| Service 1St | 327 Columbia Blvd, Bloomsburg 17815 |
| Mc | 599 E 7Th St, Bloomsburg 17815 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Columbia County ·
Frequently asked questions
Can I get a personal loan with bad credit in Bloomsburg?
Possibly. Lenders in our network consider applicants with fair and bad credit across Pennsylvania, including Bloomsburg. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Bloomsburg, PA?
Licensed consumer discount companies: $9.50 per $100 yearly add-on plus fees; unlicensed: 6%.
How fast can I get a personal loan in Bloomsburg?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Bloomsburg with our free 3-minute form.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
How can I get an emergency loan in Bloomsburg?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
How long does it take to get a personal loan in Bloomsburg?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Bloomsburg.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Bloomsburg borrowers who qualify.
Do I need to visit a store in Bloomsburg?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.