Finding a personal loan in Pennsylvania has never been easier. Whether you're in Philadelphia, Pittsburgh, Allentown or anywhere across Pennsylvania, you can compare rates from 7.50%–24.00% APR across 500+ lenders — completely free with no credit score impact.
| Lender | APR Range | Loan Amount | Min. Credit | Available in PA |
|---|---|---|---|---|
| 🏆 SoFi Best APR | 8.99%–29.99% | $5K–$100K | 680+ | ✅ Yes |
| Marcus by Goldman | 6.99%–24.99% | $3.5K–$40K | 660+ | ✅ Yes |
| ⭐ LightStream Best for Good Credit | 7.49%–25.99% | $5K–$100K | 660+ | ✅ Yes |
| Upstart | 7.80%–35.99% | $1K–$50K | 300+ | ✅ Yes |
| Avant | 9.95%–35.99% | $2K–$35K | 580+ | ✅ Yes |
| LendingClub | 9.57%–35.99% | $1K–$40K | 600+ | ✅ Yes |
Pennsylvania caps interest at 24% APR for loans under $25K from licensed lenders.
We analyze APR, fees, loan amounts, and availability specifically for Pennsylvania residents. All comparisons are updated monthly.
Browsing and comparing options on TrueRateGuide does not impact your credit score. We use soft pulls only during pre-qualification.
Our comparison service is always free for Pennsylvania consumers. We earn referral fees from providers — you pay nothing.
Our Pennsylvania data is refreshed every month to reflect current rates, offers, and lender availability in your state.
Personal loan rates in Pennsylvania typically range from 7.50%–24.00% APR depending on your credit score and loan amount. Borrowers with excellent credit (720+) qualify for the lowest rates.
Pennsylvania caps interest at 24% APR for loans under $25K from licensed lenders.
Most lenders in Pennsylvania require a minimum credit score of 580–660 for personal loans. Some lenders like Upstart accept scores as low as 300. A higher score (720+) will get you the best rates.
Most online lenders approve personal loan applications in Pennsylvania within 1 business day. Funds are typically deposited in 1–3 business days after approval.