Harrisburg PA
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Pennsylvania Lenders > Harrisburg

This page was last updated July 2018

Commentary is for informational purposes only. See legal disclaimers here.

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Fair Credit Lenders in Harrisburg

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Blue Chip Federal Credit Union
5050 Derry St Harrisburg
PA 17111 - www.bluechipfcu.org
717.564.3081

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PSECU
1 Innovation Way, Harrisburg
PA 17110 - www.psecu.com
800.237.7328

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Belco Community Credit Union
4015 Paxton St, Harrisburg
PA 17111 - www.belco.org
717.232.3526

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Members 1st Federal Credit Union
11 N 3rd St, Harrisburg
PA 17101 - www.members1st.org
800.237.7288

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PNC Bank
1301 Derry St, Harrisburg
PA 17104 - www.pnc.com
717.231.3780

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Santander Bank
235 N 2nd St, Harrisburg
PA 17101 - 717.221.3801
locations.santanderbank.com

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M&T Bank
213 Market St, Harrisburg
PA 17101 - locations.mtb.com
717.255.2070

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Wells Fargo Bank
3037 N Front St, Harrisburg
PA 17110 - www.wellsfargo.com
717.234.2805

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M&T Bank
1002 N 7th St, Harrisburg
PA 17102 - locations.mtb.com
717.233.6435

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Citizens Bank
10 S 2nd Street Harrisburg
PA 17101 - 717.780.3173
locations.citizensbank.com


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Bad Credit Loan Form for Harrisburg PA

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Harrisburg PA Lender Service Area Map

Harrisburg 5x5 Loan App Volume

Top 5 Harrisburg neighborhoods for loan application volume in the last 5 months. Source: WFL Lender Pool. Updated: Monthly.

  1. Italian Lake
  2. Steelton
  3. SoMa District
  4. Marketplace
  5. East Harriisburg

Personal Loan in Harrisburg PA

John is really upset with a couple of friends of his. They had all agreed to go on a trip together to one of the islands in the Caribbean.

They booked the hotel and flights with plans to share a room. There were going to put two in a room so they were booking two rooms at a pretty nice hotel.

At the time of booking two of their friends somehow forgot to bring their wallets which meant that they did not have any money or credit cards with them.

So John being a nice guy and also knowing his friends for many years said he would put their portion on his credit card and they could pay him back within a couple of days.

Bottom line, you should never loan friends or family money, because it always seems to cause problems.

It turns out that John’s friends did not have the money and had no intention of paying John. They were hoping to just go along for the ride.

When John found out he was really upset and canceled two of the tickets and the associated room. His other friend was equally upset, even though her had paid John for his share. Now John needs a personal loan.

There were cancellation fee which John had to pay. They were within the 30 day limit and he only received about 20% of the cost of the tickets and hotel back.

He wants his two friends to pay their portion and he plans to take them to small claims court. In the mean time, he is left with a large credit card bill and the balance is due in a week.

He needs a loan for $2500 to avoid paying credit card interest rates. He plans to sue for the tickets and any interest he has to pay as well.

A $2500 loan with a two year term and 4.1% interest rate for John would cost him the following per month:

• Loan Amount (principal) = $2500
• Interest Rate = 4.1%
• Term Length = 2 year
• Monthly Payment = $108.67
• Total Paid Back = $2608.17
• Total Interest = $108.17

John has a decent credit rating and barely enough cash flow to support the loan he is looking for. The only debt he has is this credit card debt.

Although he plans to sue for the money owed from his friends it may be some time before he is able to collect on the money he is owed.

In the meantime he must pay this credit card debt.

A monthly payment of $108.67 for two years is not too much for John to carry. With any luck he should be able to collect from his friends sometime in that time frame and repay the loan.

This situation John is facing just shows how you should never loan money to friends and family.

If he had refused to lend the money he would have found out immediately that his buddies could not go on the trip and although he would have been disappointed, they probably would still be friends.

He will never trust them again and likely not consider them as friends any longer.

If you live in the Harrisburg PA and you need a loan regardless of a bad credit rating we hope our web site helps you in some way.

Sincerely,

Andy Somerset

Andy Somerset is the son of Lance Somerset who founded the We Find Lenders Pool. He writes for WeFindLenders.com whenever he's not working hard on his degree in finance.

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Employment & Education Advancement Opportunities in Harrisburg PA

If your living in Harrisburg PA, and dealing with financial issues, consider advancing your education and/or finding a higher paying job.

Job Upgrade: Indeed / Monster

Education Advancement: Technology / University

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Credit Counseling In Harrisburg PA

Advantage Credit Counseling Service
2040 Linglestown Rd #106 Harrisburg
PA 17110 - www.advantageccs.org
866.699.2227


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Usury and Regs. Governing Harrisburg

Pennsylvania State's official website for consumer lending laws.

Summary of Pennsylvania State Usury Law (that Harrisburg lenders must adhere to) / Legal: 6% to $50,000 Contract: 6.5% / Judgment: 6% / Corporate: No specific rate / to learn how you can file a complaint, and/or learn more about the legal code(s) and laws pertaining to consumer financial services in the State of Pennsylvania go here.

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WFL Loan Product Menu

  • Bad credit scores below FICO 650
  • 200+ lenders review your pre-application(s)
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  • Interest rates starting as low as 9% (cs)
  • Collateral not always required
  • Funding between 24 hours and 5 days
  • Terms from 6 months to 10 years
  • Borrow between $500 and $50,000
  • Loans for people with 650+ credit scores
  • 500+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
  • Fast approvals and fast funding
  • Line of credit approvals with reasonable APR
  • Borrow between $500 and $150,000
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  • Debt settlement or debt relief services
  • 300+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
  • Seamless approval and funding process
  • Debt relief counseling available
  • Borrow form $5000 - $150,000

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