Personal loans in Scranton, PA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Scranton, PA.
The median household in Scranton earns $50,739 a year, 35% below the Pennsylvania median of $77,971. About 23% of residents live below the federal poverty line, and 50.1% of households rent their home. 10.3% of households have no home internet; our form works on any phone.
Pennsylvania law that applies in Scranton
| 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 Scranton
Most Scranton applicants can finish in one sitting if they have these ready:
- 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 Scranton
What Scranton borrowers use it for
gifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a personal loan in Scranton
- 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 Scranton
25 FDIC-insured bank branches from 13 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Community Bank, National Association | 4 | 1700 N Keyser Ave, Scranton 18508 |
| The Fidelity Deposit and Discount Bank | 4 | 111 Green Ridge St, Scranton 18509 |
| Peoples Security Bank and Trust Company | 3 | 1901 Sanderson Ave, Scranton 18509 |
| PNC Bank, National Association | 3 | 136 South Main Street, Scranton 18504 |
| Wells Fargo Bank, National Association | 2 | 101 N Main Ave, Scranton 18504 |
| Citizens Savings Bank | 2 | 702 Cedar Ave, Scranton 18505 |
| Wayne Bank | 1 | 216 Adams Ave, Scranton 18503 |
| NBT Bank, National Association | 1 | 130 N Keyser Ave, Scranton 18504 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Scranton
8 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| Net | 119 Mulberry St, Scranton 18503 |
| Cmc-Fcpi Employees | 415 Colfax Ave, Scranton 18510 |
| Pentagon | 201 Franklin Ave, Scranton 18503 |
| Penn East | 441 N 7Th Ave, Scranton 18503 |
| Scranton Downtown | 129 Penn Ave, Scranton 18503 |
| Spojnia | 1006 Pittston Ave, Scranton 18505 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Lackawanna County ·
Frequently asked questions
Can I get a personal loan with bad credit in Scranton?
Possibly. Lenders in our network consider applicants with fair and bad credit across Pennsylvania, including Scranton. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Scranton, 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 Scranton?
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. Scranton residents can see their options in about 3 minutes.
Can I get a personal loan in Scranton 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. Scranton residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How can I get an emergency loan in Scranton?
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.
Where can I find a loan for bad credit in Scranton?
You can apply at local banks and lenders in Scranton, 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 Scranton with our free 3-minute form.
Do I need to visit a store in Scranton?
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.