Personal loans in Kingston, PA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Kingston, PA.
The median household in Kingston earns $55,347 a year, 29% below the Pennsylvania median of $77,971. About 18% of residents live below the federal poverty line, and 47.5% of households rent their home.
Pennsylvania law that applies in Kingston
| 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 Kingston
Lenders that serve Kingston 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 Kingston
What Kingston borrowers use it for
pay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Loans for your situation
How to get a personal loan in Kingston
- 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 Kingston
9 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| NBT Bank, National Association | 1 | 455 Market St, Kingston 18704 |
| PNC Bank, National Association | 1 | 664 Wyoming Ave, Kingston 18704 |
| Citizens Bank, National Association | 1 | 196 South Wyoming Avenue, Kingston 18704 |
| Community Bank, National Association | 1 | 535 Wyoming Ave, Kingston 18704 |
| Manufacturers and Traders Trust Company | 1 | 800 Wyoming Ave, Kingston 18704 |
| The Fidelity Deposit and Discount Bank | 1 | 247 Wyoming Ave, Kingston 18704 |
| First Keystone Community Bank | 1 | 299 Wyoming Ave, Kingston 18704 |
| The Honesdale National Bank | 1 | 786 Wyoming Ave, Kingston 18704 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Kingston
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Ufcw Community | 570 Market St, Kingston 18704 |
| Choice One Community | 754 Wyoming Ave, Kingston 18704 |
| Valley Pride | New Bridge Center # 120-121, Kingston 18704 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Luzerne County ·
Frequently asked questions
Can I get a personal loan with bad credit in Kingston?
Possibly. Lenders in our network consider applicants with fair and bad credit across Pennsylvania, including Kingston. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Kingston, 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 Kingston?
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 Kingston?
You can apply at local banks and lenders in Kingston, 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.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Kingston residents can see their options in about 3 minutes.
Can I get a personal loan in Kingston 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. Kingston residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How long does it take to get a personal loan in Kingston?
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 Kingston.
Can I get an emergency loan with bad credit in Kingston?
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. Kingston residents can see if they qualify in about 3 minutes.
Do I need to visit a store in Kingston?
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.