Payday loans in Pennsylvania: what the law allows
No. Pennsylvania doesn't allow payday loans at typical payday costs. We haven't confirmed Pennsylvania's car title loan rules yet.
Pennsylvania
Payday loans
Not allowed
Car title loans
Not confirmed yet
“Our department enforces more than a dozen financial services laws every day, including Pennsylvania’s usury law, which has effectively kept predatory payday loans with sky-high interest rates out of our state.”
Pennsylvania Department of Banking and SecuritiesLook up a lender's license
Checked 2026-09-15. Laws change; confirm with the regulator before you borrow.
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Common questions
Are payday loans legal in Pennsylvania?
No. Pennsylvania doesn't allow payday loans at typical payday costs.
Are car title loans legal in Pennsylvania?
We haven't confirmed Pennsylvania's car title loan rules yet.
How do I check a lender's license in Pennsylvania?
Look the lender up with Pennsylvania Department of Banking and Securities, which licenses lenders in Pennsylvania.
Do these rules protect service members?
Yes. The Military Lending Act limits payday and car title loans for covered service members to 36%, in every state.
Information, not legal advice. Laws change; confirm with the state regulator.