Personal loans in Williamsport, PA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Williamsport, PA.
The median household in Williamsport earns $48,851 a year, 37% below the Pennsylvania median of $77,971. About 25% of residents live below the federal poverty line, and 57.0% of households rent their home.
Pennsylvania law that applies in Williamsport
| 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 Williamsport
Here's what to have on hand before you start your personal loan request in Williamsport:
- 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 Williamsport
What Williamsport borrowers use it for
the fastest options online
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Loans for your situation
How to get a personal loan in Williamsport
- 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 Williamsport
21 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Northwest Bank | 4 | 300 Market St, Williamsport 17701 |
| Woodlands Bank | 4 | 2450 E 3rd St, Williamsport 17701 |
| Manufacturers and Traders Trust Company | 3 | 2001 W 4th St, Williamsport 17701 |
| Citizens & Northern Bank | 3 | 130 Court St, Williamsport 17701 |
| Truist Bank | 2 | 204 Hepburn St, Williamsport 17701 |
| PNC Bank, National Association | 1 | 137 W 4th St, Williamsport 17701 |
| First Commonwealth Bank | 1 | 301 Shiffler Ave, Williamsport 17701 |
| First National Bank of Pennsylvania | 1 | 90 Maynard St, Williamsport 17701 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Williamsport
8 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Members 1St | 1935 E 3Rd St, Williamsport 17701 |
| Service 1St | 814 Westminster Dr, Williamsport 17701 |
| Horizon | 1007 E 3Rd St, Williamsport 17701 |
| West Branch Valley | 2440 Lycoming Creek Rd, Williamsport 17701 |
| Lonza | 3500 Trenton Ave, Williamsport 17701 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Lycoming County ·
Frequently asked questions
Can I get a personal loan with bad credit in Williamsport?
Possibly. Lenders in our network consider applicants with fair and bad credit across Pennsylvania, including Williamsport. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Williamsport, 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 Williamsport?
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.
How long does it take to get a personal loan in Williamsport?
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 Williamsport.
Where can I find a loan for bad credit in Williamsport?
You can apply at local banks and lenders in Williamsport, 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 do I apply for a personal loan with bad credit in Williamsport?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
How can I get an emergency loan in Williamsport?
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.
Can I get a personal loan in Williamsport 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. Williamsport residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Do I need to visit a store in Williamsport?
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.