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Payday Loans in Pennsylvania (PA)

Payday Loans in Pennsylvania (PA)

4.2346376412235

Apply for a Pennsylvania Payday Loan online from direct lenders and get the money you need today!

Apply online for bad credit unsecured Payday Loans in Pennsylvania. Only verified reliable direct lenders that offer instant cash to help you solve any urgent financial problems. Fill out our simple free online application to see if you qualify for a PA Payday loan.

 

Need emergency cash? Apply for Fast Payday Loans Online with no credit check required. Bad credit won't be a problem for approval. Financing is likely to be granted within 1 - 2 business days.

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Why Choose Compacom for Payday Loans in Pennsylvania

If you've come across urgent financial needs and the next pay day is far away, Compacom will help you get instant cash today with fast and easy Online Payday Loans from the best Pennsylvania direct lender. More than 767 052 trust us and they have clear-cut reasons.
Quick and Easy
Apply for a fast payday loan online right now and pay the money back with your next paycheck.
No Hard Credit Check
Get guaranteed instant approval decision without hard inquiry no matter what your credit is.
Safe and Reliable
Get connected with the best legit direct lenders. OLA certified. Trusted by thousands of US borrowers.

How Pennsylvania Payday Loans Online Work - 3 Easy Steps to Instant Cash

Complete a simple application form online in minutes at the best Pennsylvania lender's website.
If you qualify, you'll be approved fast same day. Check your rates and sign a loan agreement.
Get your Payday Loans fast with a direct deposit to your bank account.
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Are Payday Loans Legal in Pennsylvania?

Loan Rates and Fees, Laws and Regulations in Pennsylvania.

Payday Loans are restricted but available in Pennsylvania. 63 Penn Stat. Ann. § 2325, Consumer Discount Company Act, 7 Pa. Stat. Ann. §§ 6201 et seq.1 cap the interest rate to $9.50 per $100.

Law statusavailable
MIN Loan Amount$100
MAX Loan Amount$1000
MIN. Loan Term7 days
MAX. Loan Term31 days
MAX APR$9.50 for $100 borrowed
Additional fees$1.50 service charge
NSF feeNone
Collateral or guarantorNone, unsecured
Number of simultaneous loansNot stated
Cooling off periodNone
RolloverNot stated
Extension, repayment planNot stated
Default penaltiesNot stated
Credit score requirementsAvailable for Bad Credit
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Apply for Online Payday Loans and get instant decision from top lending organizations

Top Rated Payday Loan Companies

Rates last updated April 13th, 2024
4.5059328968903
(4K+ votes)
LEND YOU
$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

17,5%
MIN MPR

The minimal percentage allowed that actually represents monthly cost of your loan. The MPR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
5
(1 vote)
E-Skills Loans
$1,000
Max Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

Available for Bad Credit
4.1394025604552
(1K+ votes)
Indylend
$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

200%
MIN APR

The percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral, or Co-signer

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.537037037037
(810 votes)
Funded Justice
$1,000
Max Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

200%
Min APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.7931873479319
(822 votes)
Smart Pig
$1,000
Max Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

15,5%
Min MPR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

We are soon expanding to the following cities of Pennsylvania. For instant cash advance at these locations you can use our online application form

What are Payday Loans in Pennsylvania and how do they work?

A payday loan is a short-term, high-interest loan that may trap consumers into a cycle of debt. The lenders claim to provide the borrowers with:

  • Temporary cash needs
  • Financial emergencies
  • Short-term borrowing need

Payday Loans differ in easy online application and fast processing. The funds are usually available as soon as the next business day.

On average, short-term loan APR in Pennsylvania is almost 400%, while even credit cards with the highest interest rate have the APR of 28 to 36%. So, Payday Loans may often be hard to repay within a short term of a few weeks.

Although payday lending is restricted in Pennsylvania, some online lenders may still offer these loans by operating from out-of-state or tribal locations. It is essential to be cautious when dealing with such lenders, as they might not be following Pennsylvania state regulations.

How to Apply

Other options to get instant cash in Pennsylvania - not Payday Loans

PA Government strive to take care of the state residents and do their best to provide them with the necessary assistance.

I am proud of the government services of Pennsylvania. We are a state built on integrity and accountability.

As Payday Loans are restricted in Pennsylvania, it is still possible to get credit or cash in other ways.

  • Installment Loans. They are available in the amounts of $1,000 - $5,000. The terms vary between 36 – 60 months. The repayment is in fixed monthly installments.
  • Personal Loans. Get up to $35,000 for any personal needs without a guarantor or collateral for up to 7 years term.
  • Title loans, or Pawn shops. There may be also some restrictions. So, before applying check the terms and conditions.
  • Credit card cash advance. If you have a credit card, consider a cash advance. Although expensive, this usually has a lower interest than payday loans and can help you get through a rough financial period.

  • Tribal loans. These are money from tribal lenders that operate on Native American sovereign land and aren’t regulated under state law. Make sure you’ve checked the lender’s reviews and reliability. Native American Indian Tribes offer consumer loans in Pennsylvania. There are those who refer to this business model as the Native American tribe's "rent-a-bank" and "rent-a-tribe" schemes.
  • Get out a conventional loan from a bank or credit union. They are sometimes cheaper but take longer to get. Moreover, this option doesn’t suit borrowers with bad credit and those who don’t have a bank account or are not a member of a credit union.
  • Speak with your creditors to settle your debt. If you are going to apply for a Payday Loan because of some large bill you can’t pay, consider regulating this debt in another way. Discuss it with your creditor. He may reduce the payments. You may ask a debt relief company for help in these negotiations.
  • Try to apply through a loan connection service. They may find a suitable lender willing to offer you a small-dollar loan. Keep in mind that the lender you’re ultimately connected with must have interest rates and fees that abide by Pennsylvania’s law.
  • Ask family and friends for help. It may sound a bit embarrassing but it will definitely be the cheapest solution. Just don’t forget to pay the money back if you don’t want to spoil the relationship.
  • Apply for Government assistance programs. The variety of help can be great when you need a little bit extra to get by but don’t want to take out a new line of credit.

Online Payday Loans allow borrowers to get guaranteed emergency financing of small amounts from 100 to 1,500 instant cash even if they have a bad credit score. All credits are considered by Pennsylvania direct lenders with no hard credit check possible.

Cash Advance and other Money Offers in Pennsylvania

Up to $5,000 instant cash with guaranteed approval from direct lender with a few months of scheduled installments.
$5,000 - $35,000 quick loans for any personal needs. Available for any credit score and don't require any collateral.
Fast Title Loans secured by your vehicle title as collateral. No inspection. No credit checks. Instant cash for bad credit same day.

FAQ

 
Can I get a bad credit Payday Loan in PA?
 
Are there No Credit Check Payday Loans in Pennsylvania?
 
Can I get a Tribal Payday Loan in Pennsylvania?
 
Where to get fast cash loans in Pennsylvania?

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