Personal loans in Lansdowne, PA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lansdowne, PA.
The median household in Lansdowne earns $73,232 a year, 6% below the Pennsylvania median of $77,971. About 12% of residents live below the federal poverty line, and 32.8% of households rent their home.
Pennsylvania law that applies in Lansdowne
| 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 Lansdowne
Lenders that serve Lansdowne 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 Lansdowne
What Lansdowne borrowers use it for
gifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Lansdowne
- 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 Lansdowne
5 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| PNC Bank, National Association | 2 | 38 N Lansdowne Ave, Lansdowne 19050 |
| Wells Fargo Bank, National Association | 1 | 65 W Baltimore Ave, Lansdowne 19050 |
| CNB Bank | 1 | 48 W Marshall Rd, Lansdowne 19050 |
| Wilmington Savings Fund Society, FSB | 1 | 9 E Baltimore Ave, Lansdowne 19050 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Delaware County
33 credit-union locations from 11 credit unions.
| Credit union | Location |
|---|---|
| Sun | 595 E Lancaster Ave, St Davids 19087 |
| Forge | 1402 Bywood Ave, Upper Darby 19082 |
| Upper Darby Belltelco | 1410 Bywood Ave, Upper Darby 19082 |
| Police & Fire | Springfield Square North Shopping Center, Springfield 19064 |
| American Heritage | 536 Lancaster Ave, Wayne 19087 |
| Citadel | 4923 Edgmont Ave, Brookhaven 19015 |
| Franklin Mint | 5 Hillman Dr, Chadds Ford 19317 |
| Trumark Financial | 5 Chelsea Pkwy, Boothwyn 19061 |
| Sun East | 4500 Pennell Rd, Aston 19014 |
| Ardent | 516 Lancaster Ave, Wayne 19087 |
| Bhcu | 501 Industrial Hwy, Ridley Park 19078 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Delaware County ·
Frequently asked questions
Can I get a personal loan with bad credit in Lansdowne?
Possibly. Lenders in our network consider applicants with fair and bad credit across Pennsylvania, including Lansdowne. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Lansdowne, 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 Lansdowne?
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.
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. Lansdowne residents can see their options in about 3 minutes.
How long does it take to get a personal loan in Lansdowne?
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 Lansdowne.
Where can I find a loan for bad credit in Lansdowne?
You can apply at local banks and lenders in Lansdowne, 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.
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 Lansdowne with our free 3-minute form.
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 Lansdowne borrowers who qualify.
Do I need to visit a store in Lansdowne?
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.