Have past mistakes left you with bad credit and caused you to be denied financing in Pennsylvania? It may feel hopeless, but take heart: your situation is temporary.

Thousands of Pennsylvanians struggle with bad credit, limiting their access to affordable financing when they most need it. But reputable lenders offering personal loans with bad credit in PA do exist—if you know where to look.

This guide highlights the top Pennsylvania lenders that provide personal loans to borrowers with less-than-ideal credit.

At the end, you’ll also find alternative financing options and tips to strengthen your credit profile.

Top-ranked bad credit personal loans in Pennsylvania (PA)

Several online lenders now use more holistic underwriting that looks beyond your credit reports alone.

By factoring in your education, employment history, and other signs of responsibility, these lenders can make personal loans attainable despite poor credit:


247FastFunds is a lending marketplace that offers a streamlined way to secure larger personal loans with minimal paperwork and fast underwriting

  • Borrow up to $5,000
  • Interest rates range from 5.99% to 35.99%
  • Terms from 12 to 60 months
  • Fast, easy application process
  • 4.5/5 on TrustPilot


MoneyMutual is another lending marketplace known for its quick approvals and funding of small personal loans.

  • Loan amounts up to $5,000
  • Interest rates range from 5.99% to 35.99%
  • Terms of 90 days to 72 months
  • Simple rate comparison tool
  • 2.9/5 on Trustpilot


CashUSA connects borrowers to an expansive network of lenders offering personalized loan terms and flexible repayment schedules.

  • Loan amounts range from $500 to $10,000
  • Interest rates range from 5.99% to 35.99%
  • Repayment terms of 90 days to 72 months
  • Fast approval decisions
  • 2.5/5 on Trustpilot


BadCreditLoans is an online lending platform that caters to borrowers with poor credit through customized loan options, competitive rates, and fast funding.

  • Personal loans from $500 to $5,000
  • Interest rates start at 5.99%
  • Three or five-year terms are available
  • 72-hour funding turnaround
  • 2.7/5 on Trustpilot

Alternatives to bad credit personal loans in Pennsylvania

While the lenders listed above are the top recommendations for bad credit personal loans specifically, you do have other choices for borrowing money in Pennsylvania with poor credit:

  • Secured loans: Backed by collateral like your car or a savings account, secured loans often have lower rates and relaxed credit requirements compared to unsecured loans. You pledge an asset and risk losing it if you default.
  • Home equity loans: If your home has sufficient equity built up, you can tap into its value with a home equity loan or HELOC. These let you use your home as collateral for lower rates despite poor credit.
  • Peer-to-peer loans: Websites like Upstart and Prosper connect you with individual investors willing to fund your loan request. This “crowdfunded” approach provides more borrowing opportunities with bad credit.
  • Payday alternative loans: Offered by some credit unions in Pennsylvania, these small personal loans up to $1,000 must, by law, have 28% APR interest caps and repayment terms up to 6 months.
  • Federal credit union loans: Like banks, credit unions offer personal loans. And they often have lower rates and more flexibility for borrowers with bad credit. If you qualify for membership, explore their lending options.
  • Friends/Family: Asking friends or family for a personal loan avoids the credit check process, but be sure to formalize the loan agreement and terms.
  • 401k/retirement account loans: If your retirement savings contain sufficient balances, you may be able to take out a loan against your 401k. This avoids credit issues but depletes retirement funds until the loan is repaid.

Whatever route you choose for a bad credit personal loan, compare multiple lenders to find the lowest rates and best overall value.

Avoid payday loans in Pennsylvania or auto title loans with sky-high rates. This option often results in unaffordable monthly payments that push borrowers deeper into debt.

Unregulated online lenders also frequently prey on those with poor credit, so research companies thoroughly first.

Credit building strategies

In addition to finding a personal loan now, implementing these credit-building strategies will expand your financing options in the future.

  • Check reports for errors: Mistakes on your Equifax, Experian, and Transunion credit reports can seriously depress your scores. Dispute any inaccuracies you uncover to boost your credit.
  • Pay down balances: High balances relative to limits on credit cards hurt scores significantly. Pay down balances to improve this important “credit utilization ratio.”
  • Avoid new hard inquiries: Each loan application causes an inquiry that temporarily lowers scores. Minimize applications and space them out over time.
  • Become an authorized user: Ask a friend or family member with good credit to add you as an authorized user on a long-standing credit card. Their positive history boosts your own.
  • Monitor scores: Watching your credit scores frequently lets you track improvement. Aim for scores above 700 to qualify for prime rates.
  • Meet minimum payments: On-time monthly payments of at least the minimum due builds a positive payment history.
  • Limit new accounts: New accounts lower the average “age of credit,” so avoid opening too many new cards in a short timeframe.
  • Dispute and negotiate collections: Don’t ignore unpaid collections. Negotiate payoffs or disputed removals to prevent damage.

With smart planning, you'll not only secure the loan you need but also get your credit back on solid footing.