Pennsylvania Payday & Title Loan Laws
Pennsylvania prohibits payday lending.
Payday loan rules in Pennsylvania
Car title loan rules in Pennsylvania
What this means for borrowers in Pennsylvania
Because Pennsylvania prohibits payday lending, a lender offering a payday loan to a Pennsylvania resident is likely operating without a license, and the loan may be unenforceable. If you need short-term cash, a licensed installment loan or a credit-union alternative is the safer route. Always confirm a lender's license and read the full cost of borrowing before signing, and use our qualification checker to see what you may be eligible for.
Regulatory notes: NCSL lists PA among no-payday-provision jurisdictions (7 P.S. 6203)
Source: NCSL Payday Lending State Statutes
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Frequently asked questions
Are payday loans legal in Pennsylvania?
Pennsylvania prohibits payday lending.
What is the maximum payday loan in Pennsylvania?
The maximum payday loan amount is N/A (licensed consumer loans to $25,000 under CDCA).
How much can a payday lender charge in Pennsylvania?
The maximum fee or rate is ~24% licensed (CDCA); 6% unlicensed (LIPL).