Pennsylvania borrowers get matched with lenders licensed to lend here
Rates, approval odds, and product availability in Pennsylvania look different than in neighboring states. We route Pennsylvania applications only to lenders and brokers licensed by the Pennsylvania Department of Banking & Securities, so the offers you see are ones you can actually take.
How lending in Pennsylvania is different
Pennsylvania's median household income is $73,170 — in line with the national household-income median — and the typical home price of $260,000 sits below the $350,000 national midpoint. On our platform, the average funded loan in Pennsylvania runs about $18,200, with mortgage loans as the most requested product across Philadelphia, Pittsburgh, and the rest of the state.
Loan Interest & Protection Law caps non-licensed loans at 6%; CDCA licensees up to 24% APR. The Pennsylvania Department of Banking & Securities (PA DOBS) supervises consumer lenders operating in Pennsylvania, and every match we send you carries their license number so you can verify it before you share documents.
- Compare at least 3 Pennsylvania offers — APR spread between lenders here is often 4–8 percentage points on the same credit profile.
- If you're buying in Philadelphia or Pittsburgh, ask about local down-payment assistance — Pennsylvania programs stack with most conforming loans.
- A soft-pull pre-qual on our platform does not affect your credit score; only the lender you choose runs a hard pull.
Pennsylvania at a glance
Local market data we use to calibrate matches for borrowers in Pennsylvania.
What a real Pennsylvania offer looks like
Illustrative math using Pennsylvania's median home price, our average funded loan size in PA, and typical partner APRs. Your actual offers depend on credit, DTI, and lender.
Buying near Philadelphia at $260,000
A 20% down, 30-year fixed at ~6.75% APR on the Pennsylvania median home price puts principal & interest around $1,349/mo. Local PA down-payment assistance can stack on top.
See Pennsylvania mortgage offersTypical $18,200 funded loan in PA
Our average funded personal loan for a Pennsylvania borrower runs about $18,200 over 4 years. At 11.9% APR that's roughly $478/mo — with rate ceilings enforced by the PA DOBS.
Check my Pennsylvania rateConsolidating ~$21,951 of high-rate debt
Rolling roughly 30% of the Pennsylvania median household income out of 22% credit cards and into a 5-year fixed 9.5% loan drops the payment to about $461/mo — a common PA refinance path.
Match a Pennsylvania lenderPayment estimates are illustrative and do not include taxes, insurance, or lender fees. Consumer loans in Pennsylvania are supervised by the Pennsylvania Department of Banking & Securities.
Every loan type available in Pennsylvania
Our marketplace covers every major loan product for Pennsylvania residents. Each match is from a lender licensed by the PA DOBS to operate in PA.
See your real Pennsylvania offers in about 2 minutes
Answer a few quick questions. We'll match you with lenders licensed by the PA DOBS — with APR, monthly payment, and fees shown upfront.
- Pennsylvania-licensed lenders only
- Soft credit pull — no score impact
- Real APRs calibrated to PA market
Lending rules in Pennsylvania
Pennsylvania consumer lenders are supervised by the Pennsylvania Department of Banking & Securities. Every match we send you comes with the lender's active PA license number.
Loan Interest & Protection Law caps non-licensed loans at 6%; CDCA licensees up to 24% APR.
- Pre-qualification uses a soft credit pull — your PA credit file is not affected.
- We never sell Pennsylvania borrower data. Only lenders you choose see your contact info.
- Offers are calibrated to Pennsylvania DTI norms and the local $260,000 home-price market.
Informational only — not legal or financial advice. PA rate caps and regulations change; confirm details with the Pennsylvania Department of Banking & Securities.
Top Pennsylvania cities we serve
Don't see your city? We serve every ZIP code in Pennsylvania.
Questions Pennsylvania borrowers ask
+What loan types are available in Pennsylvania?
Nothing But Loans covers personal, auto, mortgage, HELOC, student, business, SBA, debt consolidation, solar, and 15+ other products for Pennsylvania residents. Every match is routed to a lender licensed by the Pennsylvania Department of Banking & Securities.
+Are the lenders on this site licensed in Pennsylvania?
Yes. We only forward your request to partners that hold an active PA license with the Pennsylvania Department of Banking & Securities (PA DOBS). Their NMLS or state license number appears with every offer.
+What are the Pennsylvania interest-rate rules I should know about?
Loan Interest & Protection Law caps non-licensed loans at 6%; CDCA licensees up to 24% APR. This affects what a lender can legally charge you in PA on non-bank consumer loans.
+Does checking rates affect my credit score in Pennsylvania?
No. Our 2-minute questionnaire uses a soft credit pull, which is invisible to other lenders and has zero impact on your score. Only the Pennsylvania lender you choose to move forward with will run a hard pull.
+How much do borrowers in Pennsylvania typically request?
The average funded consumer loan on our platform in Pennsylvania is about $18,200. Popular products in PA are Mortgage, Personal, Auto, with mortgage sizes driven by the ~$260,000 median home price.
+Do you serve borrowers outside of Philadelphia?
Yes — every ZIP code in Pennsylvania is covered. Whether you're in Philadelphia or a smaller market, we route your inquiry to lenders active in your county.
Ready to see your Pennsylvania rates?
Takes about 2 minutes. Soft credit pull, no obligation, and only lenders licensed in PA — never a mystery list.
- Match to a Pennsylvania-licensed lender
- Free — no cost to compare
- Never any spam or hidden fees