Best Personal Loans in Pittsburgh, PA
Whether you’re faced with an unexpected medical bill or want to consolidate your credit cards into one payment, personal loans can help you cover the costs — especially when the interest rate is good and the company is reputable. We created this guide to help you find the best loan companies in Pittsburgh.
Top 12 Pittsburgh Personal Loan Companies | ||||
|---|---|---|---|---|
| Best Egg | Read 1,442 Reviews | Offers personal loans up to $35,000. Easy online application. Get money in your account in as little as one day upon approval and verification. Recommended minimum debt of $5,000 for debt consolidation. |  | Visit Website Toll free number (855) 662-6876 |
| NetCredit | Read 916 Reviews | Offers personal loans up to $10,000. Can deliver funds same business day, Guarantees a 100% commitment to customer satisfaction. Provides eligibility verification by state. |  | Visit Website |
| Next Day Personal Loan | Read 24 Reviews | Lending network for personal loans up to $40,000. Apply in under two minutes to start their simple, three-step process: apply, qualify, get funded. Funds available as soon as the next business day. |  | Visit Website |
| LoanMe | Read 519 Reviews | Offers personal loans up to $100,000. Processes approvals in as few as four hours. No prepayment penalties. Minimum loan amount of $600 required. |  | Toll free number (855) 464-0433 |
| OneMain Financial | Read 3,063 Reviews | OneMain Financial offers personal loans to customers in 44 states. The company has roots going back over 100 years and previously operated as SpringLeaf Financial. It has made loans to over 10 million customers. |  | |
| Key Bank | Read 524 Reviews | Key Bank is one of America's larges banks, and it is the only bank still headquartered in Cleveland. Nearly 200 years old, they provide personal banking, investment management, retail banking, commercial banking services and more. |  | |
| OppLoans | Read 186 Reviews | A company focused on prompt, affordable and secure personal loans while providing quick service, lowered interest, and expert customer care. |  | Visit Website |
| First National Bank of Pittsburgh | Read Expert Review | Provides a free quiz that compares loan options. Offers flexible repayment options. Gives unsecured and secured loan options to borrowers. |  | |
| Huntington National Bank | Read Expert Review | Offers a variety of personal loans at competitive rates. Charges no application fee. Allows customers to choose their payment dates and terms, including weekly, monthly and bimonthly options. |  | |
| Riverset Credit Union | Read Expert Review | Offers APRs as low as 8.25% with no prepayment penalties or collateral required. Gives discounts to customers with a qualifying Riverset checking account. Provides a 24-hour member services center. |  | |
| SSB Bank | Read Expert Review | Focuses on customer service and satisfaction. Offers hands-on assistance with personal loans and financing. Provides loan options, including personal and home equity loans. |  | |
| WesBanco | Read Expert Review | Offers personal lines of credit or personal loans secured with a deposit account. Determines rates and terms after reviewing a customer’s credit. Allows customers to begin their application over the phone or in person. |  |
There are several reasons to apply for a personal loan, from emergency costs to weddings. How you choose to use your personal loan is your choice — many Pittsburgh residents use personal loans to pay off student debt, fund a marriage or handle medical emergencies.
Finding a personal loan in Pittsburgh, PA
There are many types of personal loans available from lenders in Pittsburgh, which makes it difficult to know what’s right for your situation. To help you decide which loan makes the most sense for you, we’ve mapped out a few scenarios for you to review.
- Co-sign loans: People who don't have much credit history and need to make a significant purchase may require a co-signer for a loan. With a co-signer that has good credit, the person applying can get loans with better terms and interest rates.
- Variable-rate loan: Businesses in Downtown Pittsburgh may benefit from a variable-rate loan, which may help borrowers pay lower interest rates. This type of loan may be preferable if you plan to repay your loan quickly or if interest rates are projected to fall.
- Fixed-rate loan: Homeowners who need to take out money for new plumbing in older homes, such as those on historic Brookline Boulevard, might choose a fixed-rate loan. Rates on these loans stay the same throughout the loan term, which simplifies creating a budget.
- Secured personal loan: A secured loan uses collateral to guarantee repayment of the loan. Pittsburgh residents can get lower interest rates on a personal loan by securing it with a valuable possession, such as a car.
State regulation for Pittsburgh loans
Pennsylvania has interest caps on loans to help protect consumers. The maximum lawful interest rate is 6% annually for loans of $50,000 or less. For more information, this video guide from the Pennsylvania Department of Banking and Securities thoroughly explains rates for consumers.
Choosing a company in Pittsburgh, PA
There are many loan places in Pittsburgh that offer different options, including loans for bad credit in Pennsylvania, fast cash loans and more. Choosing between these companies can be difficult, but you can find the right company by comparing a few factors. Your rate for loans in Pittsburgh depends on a few personal factors, including your credit score and the amount you want to borrow.
Here’s what you should look for when comparing Pittsburgh loans:
- Low interest rates
- No origination fees
- No prepayment penalties
- Favorable loan terms (between 32 and 76 months)
- Positive reviews
- No (or few) registered consumer complaints
To protect your finances, you must understand how much you can afford per month before shopping for personal loans in Pittsburgh. Higher interest rates and APRs add up to a lot of money over the long term, so it’s crucial to know where you stand before you commit to a Pittsburgh loan company.
Pittsburgh personal loan FAQ
- What credit score do you need for a Pittsburgh personal loan?
- What’s the best online personal loan company for Pittsburgh loans?
- The companies we highlight in this guide offer online loans in Pittsburgh with APRs as low as 5.99%.
- Are personal loans a good idea?
- As long as you have a plan to pay them back (and the finances to make it happen), personal loans can be beneficial in certain situations. We do not recommend taking them out in a moment of desperation without careful consideration.
- Where do I go to get a personal loan?
- Refer to our list of online lenders and local banks to find a personal loan in Pittsburgh. Finding which one works best for you is a matter of comparing rates and options from each company.
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Pittsburgh personal loan company information
Riverset Credit Union offers personal loans with rates as low as 8.25% APR with no prepayment penalties or collateral required. Clients can borrow as little as $2,000 through its quick and straightforward approval process. Riverset customers are also eligible for a 0.25% discount on rates with a qualifying Riverset checking account. And with its 24-hour member services center, Riverset makes it easy to manage personal loans wherever you are.
- Address: 53 S. 10th St., Pittsburgh, PA 15203; Multiple locations
- Phone: (412) 488-2525
- Hours: M - F: 9am - 4:30pm
- Website: riverset.com
First National Bank offers lines of credit for borrowers looking to make a unique purchase or cover unanticipated expenses. With flexible repayment plans and both unsecured and secured loan options, there are many different choices for borrowers. First National Bank helps customers find the right solution with its Help Me Decide quiz that compares options and situations.
- Address: 100 Federal St., Pittsburgh, PA 15212; Multiple locations
- Phone: (412) 359-2627
- Hours: M - F: 8:30am - 4:30pm
- Website: fnb-online.com
Huntington National Bank offers a variety of personal loans at competitive rates tailored to borrowers’ needs. It charges no application fees and offers a variety of discounts. Customers have the option to set up their payment dates and terms, including monthly, bimonthly or weekly repayment options, and can easily manage their accounts online.
- Address: 650 Smithfield St., Pittsburgh, PA 15222; Multiple locations
- Phone: (412) 471-7010
- Hours: M - Th: 9am - 4pm; F: 9am - 5pm
- Website: huntington.com
Since 1992, SSB Bank has offered personal and business banking services to Pittsburgh residents. SSB Bank provides personal and home equity loans and lines of credit, mortgages and car loans. As a local and independent bank, SSB Bank focuses on customer service and satisfaction first and assists with personal loans and financing.
- Address: 2470 California Ave., Pittsburgh, PA 15212; Multiple locations
- Phone: (412) 482-9010
- Hours: M - F: 8:30am - 4:30pm
- Website: ssbpgh.com
WesBanco allows customers to choose a personal line of credit or a secured personal loan, subject to credit approval. Customers can use their savings accounts, CDs or any other approved deposit accounts as collateral against a secured loan. WesBanco makes payback easy with options for online payments or automatic withdrawals. Pittsburgh residents can set up an appointment at a local office to determine loan amounts, terms and a payback plan.
- Address: 1706 Lowrie St., Pittsburgh, PA 15212; Multiple locations
- Phone: (800) 905-9043
- Hours: M - T: 9am - 4pm; Th: 9am - 5pm; F: 9am - 6pm; Sat: 9am - 12pm
- Website: wesbanco.com
Sandi Pope previously worked in the nonprofit sector as an advocate for environmental and social change and believes information access is a human right. As a member of the ConsumerAffairs Research Team, she seeks to provide consumers with the necessary information needed in making life-altering decisions.
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