Personal loans in Johnstown, PA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Johnstown, PA.
The median household in Johnstown earns $37,888 a year, 51% below the Pennsylvania median of $77,971. About 32% of residents live below the federal poverty line, and 44.8% of households rent their home. 14.0% of households have no home internet; our form works on any phone.
Pennsylvania law that applies in Johnstown
| 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 Johnstown
Lenders that serve Johnstown 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 Johnstown
What Johnstown borrowers use it for
deposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a personal loan in Johnstown
- 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 Johnstown
29 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| 1st Summit Bank | 5 | 125 Donald Ln, Johnstown 15904 |
| Ameriserv Financial Bank | 4 | 216 Franklin St, Johnstown 15901 |
| First National Bank of Pennsylvania | 4 | 532 Main St, Johnstown 15901 |
| First Commonwealth Bank | 4 | 1047 Franklin St, Johnstown 15905 |
| Somerset Trust Company | 4 | 1416 Scalp Ave, Johnstown 15904 |
| Slovenian Savings and Loan Association of Franklin-Conemaugh | 3 | 512 Central Ave, Johnstown 15902 |
| Northwest Bank | 2 | 475 Theatre Dr, Johnstown 15904 |
| InFirst Bank | 2 | 1420 Scalp Ave, Johnstown 15904 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Johnstown
15 credit-union locations from 9 credit unions.
| Credit union | Location |
|---|---|
| G.A.P. | 111 Franklin St Rm 224, Johnstown 15901 |
| Ussco Johnstown | 522 Central Ave, Johnstown 15902 |
| Healthcare First Credit Union | 1152 Franklin St, Johnstown 15905 |
| Merho | 15 Irene St, Johnstown 15905 |
| C-B-W Schools | 194 Donald Ln Ste 4, Johnstown 15904 |
| Franklin Johnstown | 310 Bloomfield St, Johnstown 15904 |
| Prr South Fork | 307 State St, Johnstown 15905 |
| Vasco | 308 Luther Rd, Johnstown 15904 |
| Johnstown School Employees | 738 Viewmont Ave, Johnstown 15905 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Cambria County ·
Frequently asked questions
Can I get a personal loan with bad credit in Johnstown?
Possibly. Lenders in our network consider applicants with fair and bad credit across Pennsylvania, including Johnstown. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Johnstown, 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 Johnstown?
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.
Where can I find a loan for bad credit in Johnstown?
You can apply at local banks and lenders in Johnstown, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
How can I get an emergency loan in Johnstown?
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.
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 Johnstown borrowers who qualify.
Can I get an emergency loan with bad credit in Johnstown?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Johnstown residents can see if they qualify in about 3 minutes.
Can I get a personal loan in Johnstown with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Johnstown residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Do I need to visit a store in Johnstown?
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.