Personal loans in Wilkes-Barre, PA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Wilkes-Barre, PA.
The median household in Wilkes-Barre earns $48,515 a year, 38% below the Pennsylvania median of $77,971. About 23% of residents live below the federal poverty line, and 48.8% of households rent their home. 12.3% of households have no home internet; our form works on any phone.
Pennsylvania law that applies in Wilkes-Barre
| 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 Wilkes-Barre
Here's what to have on hand before you start your personal loan request in Wilkes-Barre:
- 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 Wilkes-Barre
What Wilkes-Barre borrowers use it for
pay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a personal loan in Wilkes-Barre
- 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 Wilkes-Barre
2 FDIC-insured bank branches from 2 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Honesdale National Bank | 1 | 38 N Franklin St, Wilkes-Barre 18701 |
| Manufacturers and Traders Trust Company | 1 | 115 J Campbell Collins Dr, Wilkes-Barre 18702 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Luzerne County
40 credit-union locations from 16 credit unions.
| Credit union | Location |
|---|---|
| Highway | 405 Laurel St, Hughestown 18640 |
| Service 1St | 620 Baltimore Dr, Wilkes Barre 18702 |
| Cross Valley | 640 Baltimore Dr, Wilkes Barre 18702 |
| P & G Mehoopany Employees | 2859 Sr 309 Hwy, Dallas 18612 |
| Ufcw Community | 377 Wyoming Ave, Wyoming 18644 |
| Choice One Community | 101 Hazle St, Wilkes Barre 18702 |
| Citymark | 40 E Market St, Wilkes Barre 18711 |
| Corner Post | 566 S Main St, Wilkes Barre 18701 |
| Vantage Trust | 247 Wilkes Barre Township Blvd, Wilkes Barre 18702 |
| Earning Tree | 800 Wyoming Ave, Wyoming 18644 |
| Wyoming Valley Educational Empl | 672 S River St Ste 109, Plains 18705 |
| Hazleton School Employees | 1049 Wilbur Ct, Hazle Township 18202 |
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 Wilkes-Barre?
Possibly. Lenders in our network consider applicants with fair and bad credit across Pennsylvania, including Wilkes-Barre. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Wilkes-Barre, 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 Wilkes-Barre?
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.
Can I get a personal loan in Wilkes-Barre 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. Wilkes-Barre residents can see if they qualify for $100 to $5,000 in about 3 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 Wilkes-Barre with our free 3-minute form.
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. Wilkes-Barre residents can see their options in about 3 minutes.
Where can I find a loan for bad credit in Wilkes-Barre?
You can apply at local banks and lenders in Wilkes-Barre, 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 Wilkes-Barre?
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.
Do I need to visit a store in Wilkes-Barre?
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.