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Best Bad-Credit Loan Lenders in Pennsylvania

MoneyGeek analyzed more than 35 distinct factors, such as loan amounts, APR ranges, fees, loan repayment terms and BBB ratings, to determine which bad-credit loan provider was the best in the state.

According to MoneyGeek's analysis, Upstart is the best provider of bad-credit personal loans in Pennsylvania, whereas Upgrade is the runner-up.

Best Overall Bad-Credit Loan in Pennsylvania: Upstart

  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds


Runner-Up for Best Bad-Credit Loan in Pennsylvania: Upgrade

  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds


How to Choose the Best Bad-Credit Loan in Pennsylvania for You

Pennsylvania's average personal loan debt is $27,165 per borrower. In fact, Pennsylvanians carry significantly more personal loan debt than residents of any other state, so you’re far from alone in seeking a personal loan in this state.

Your credit score is only one factor considered by lenders when deciding whether or not to grant you a personal loan. Even though getting a loan with bad credit might be difficult, it is still possible. MoneyGeek advises following these steps in order to find the best bad-credit loan lender in Pennsylvania.


Ask Yourself the Important Questions

You need to find answers to the following questions before you can submit an application for a personal loan:

  • How much funding do you need? You may prevent taking on more debt than is required by accurately estimating your financial demands.
  • What’s your credit score? Lenders rely significantly on your credit score when determining whether to provide you with a loan. As a result of your bad-credit score, you are less likely to qualify for loans with favorable terms and interest rates.
  • Can you afford the monthly payments? Look at your budget to see whether you can afford the loan's monthly installments. If payments are skipped or paid late, it will have a negative impact on your credit score and financial health.
  • Do you have existing debts? People who are currently in debt should think twice before taking out a new loan unless doing so would result in lower interest rates and a better financial future.
  • Is your debt manageable through other means? You are far more likely to get a loan with a high APR if you have bad credit. If you can, try to use a credit card that has a 0% introductory interest rate or a personal line of credit. You can also borrow money from loved ones.

Do Your Research

The amount borrowed as a personal loan must be repaid with interest and fees within the period specified by the lender. The first step is to look for potential lenders who can meet your needs. Since MoneyGeek only provides general guidance, it's up to you to do your own research before deciding on a loan and lender.


Read the Fine Print

Prior to applying, it's important to have a thorough understanding of all associated costs. You should study every single word of the loan’s fine print if you don't want to be surprised by unexpected fees and costs.



Make a list of loan providers you think could suit your needs and choose wisely. It's important to weigh all of your financing choices, including alternatives, before applying for a personal loan. Take a day or two to consider your options before submitting an application.



You may apply for a personal loan either online or in person at the lender’s office once you’ve completed the preceding steps. Be advised that there may be a delay in processing if you submit the application in person.

What to Do if You Can’t Get a Bad-Credit Loan in Pennsylvania

Rejection of a loan application can be discouraging, especially if you need the funds to deal with a major expense. In the event that you require a loan but have bad credit, you still have options. Talking to the lender about the reasons you were turned down for a loan could be quite enlightening. For instance, if your credit score is the issue, you can work on improving it before submitting another application.

You can also see if requesting a lower amount or shortening the repayment term will improve your application. You may have other financing options even if one lender declines your application. Before submitting an application for a new loan, MoneyGeek advises that you address the issue that resulted in your previous application being denied.

You should avoid taking payday loans because they typically have extremely high interest rates and short repayment periods and do not positively affect your credit score. Failing to repay payday loans in time can be disastrous for your financial future.

Calculate Your Monthly Payment

You must start making regular payments that cover the principal and any applicable interest as soon as you get a bad-credit loan in Pennsylvania. To determine if the loan's monthly payments are affordable for you, you should assess your present financial circumstances.

For calculating the monthly payment on a loan with bad credit, use MoneyGeek's personal loan calculator.



+ $114.98


+ $8.33

Origination Fee Percentage


Origination Fee Fixed amount


Total monthly payment


FAQs About Bad-Credit Loans in Pennsylvania

Think long and hard about whether you really need a personal loan before filling out an application for one. If you live in Pennsylvania and are thinking about getting a bad-credit personal loan, MoneyGeek has answers to a few frequently asked questions.


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MoneyGeek's analysis used 35+ data points in six key categories — affordability, loan accessibility, user friendliness, customer service, lender transparency and flexibility — to study more than 30 personal loan providers.

We examined each rating category's unique and diverse data points that we think should be given the highest weight. The APR ranges, maximum loan amounts, eligibility requirements, application fees and funding timelines are just a few of these variables.

MoneyGeek values the consumer and is devoted to helping them save money. Before making our recommendations, we consider prequalification, payment options and mobile applications since we understand the importance these factors play in ensuring a positive experience.

We hope that our tips for personal loans will help you find a lender that best meets your demands. Each of MoneyGeek's recommendations has been thoughtfully determined with your financial well-being in mind and is the result of extensive research and analysis.


The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.