The MFP’s Community Personal Loan Lender Survey gathers Pennsylvania borrowers feedback and recommendations for direct lenders like banks, credit unions and online lenders. Shopping for a personal loan and a lender can be complicated and we gathered this data to help your choice.
Updated: June 2, 2026
<< Human Powered Recommendations from Pennsylvania’s Personal Loan Borrowers >>
Pennsylvania Best Personal Loan Lenders
Philadelphia, Pittsburgh, Reading, Erie, Upper Darby, Scranton, Bethlehem, Lancaster, Harrisburg, Online.
Philadelphia Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Philadelphia’s area are American Heritage Credit Union, Philadelphia Federal Credit Union and Police and Fire Federal Credit Union.
- American Heritage Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Philadelphia-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Philadelphia Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Police and Fire Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| American Heritage Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Philadelphia Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Police and Fire Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| TruMark Financial Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Citadel Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Ardent Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| TD Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Citizens Bank | Bank | 4.5 | 4.4 | 4.5 | 89% |
| PNC Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| WSFS Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| Republic Bank | Community Bank | 4.2 | 4.2 | 4.3 | 84% |
| Wells Fargo | Bank | 4.2 | 4.1 | 4.2 | 83% |
| Chase Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Bank of America | Bank | 4.1 | 4.0 | 4.1 | 81% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
Pittsburgh Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Pittsburgh’s area are Clearview Federal Credit Union, Dollar Bank and Pittsburgh Federal Credit Union.
- Clearview Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Pittsburgh-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Dollar Bank ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Pittsburgh Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Clearview Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Dollar Bank | Community Bank | 4.8 | 4.7 | 4.8 | 95% |
| Pittsburgh Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Armco Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Allegheny Health Services Employees Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Huntington Bank | Bank | 4.6 | 4.5 | 4.6 | 91% |
| PNC Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| First National Bank | Community Bank | 4.5 | 4.4 | 4.5 | 89% |
| Citizens Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| KeyBank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| WesBanco Bank | Community Bank | 4.2 | 4.2 | 4.3 | 84% |
| Chase Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
| Bank of America | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Wells Fargo | Bank | 4.1 | 4.0 | 4.1 | 81% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
Reading Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Reading’s area are Bellco Federal Credit Union, Diamond Credit Union and American Heritage Credit Union.
- Bellco Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Reading-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Diamond Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- American Heritage Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Bellco Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Diamond Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| American Heritage Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Members 1st Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Fulton Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| PNC Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Citizens Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Wells Fargo | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Chase Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Bank of America | Bank | 4.0 | 4.0 | 4.1 | 80% |
Erie Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Erie’s area are Erie Federal Credit Union, Widget Financial and Marquette Savings Bank.
- Erie Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Erie-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Widget Financial ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Marquette Savings Bank ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Erie Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Widget Financial | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Marquette Savings Bank | Community Bank | 4.7 | 4.7 | 4.7 | 94% |
| Tendto Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Northwest Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| PNC Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Citizens Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Huntington Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Chase Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.1 | 80% |
Upper Darby Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Upper Darby’s area are American Heritage Credit Union, TruMark Financial Credit Union and Police and Fire Federal Credit Union.
- American Heritage Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Upper Darby-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- TruMark Financial Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Police and Fire Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| American Heritage Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| TruMark Financial Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Police and Fire Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Philadelphia Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| TD Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Citizens Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| PNC Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.1 | 80% |
Scranton Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Scranton’s area are Cross Valley Federal Credit Union, NET Credit Union and Penn East Federal Credit Union.
- Cross Valley Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Scranton-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- NET Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Penn East Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Cross Valley Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| NET Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Penn East Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Fidelity Bank | Community Bank | 4.6 | 4.6 | 4.7 | 92% |
| FNCB Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| PNC Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Citizens Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.1 | 80% |
Bethlehem Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Bethlehem’s area are First Commonwealth Federal Credit Union, People First Federal Credit Union and Lehigh Valley Educators Credit Union.
- First Commonwealth Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Bethlehem-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- People First Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Lehigh Valley Educators Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| First Commonwealth Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| People First Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Lehigh Valley Educators Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| American Heritage Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| PNC Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| TD Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Citizens Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.1 | 80% |
Lancaster Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Lancaster’s area are Members 1st Federal Credit Union, Lanco Federal Credit Union and Fulton Bank.
- Members 1st Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Lancaster-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Lanco Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Fulton Bank ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Members 1st Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Lanco Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Fulton Bank | Community Bank | 4.7 | 4.7 | 4.7 | 94% |
| Belco Community Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| PNC Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Citizens Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
Harrisburg Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Harrisburg’s area are Members 1st Federal Credit Union, Belco Community Credit Union and PSECU.
- Members 1st Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Harrisburg-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Belco Community Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- PSECU ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight straightforward digital application access, useful personal-loan information and dependable Pennsylvania-based support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Members 1st Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Belco Community Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| PSECU | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Fulton Bank | Community Bank | 4.6 | 4.6 | 4.7 | 92% |
| PNC Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Citizens Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
Pennsylvania Best Online Personal Loan Lenders
MFP’s Community Lenders Survey most recommended online personal loan lenders in Pennsylvania’s area are PSECU, PFFCU and Citadel Credit Union.
- PSECU ranks highest with a 96% Recommend score, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its top position because customers point to flexible loan terms, a straightforward online application path, and helpful service during the borrowing process.
- PFFCU ranks second with a 95% Recommend score, 4.7 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance, tying the highest Loan Terms & Rate Satisfaction score among the top 3.
- Borrower feedback supports its strong ranking because customers highlight clear personal loan options, useful guidance, and a convenient digital loan process.
- Citadel Credit Union ranks third with a 94% Recommend score, 4.7 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance, the highest Support & Guidance score among the top 3.
- Borrower feedback supports its top-3 placement because customers point to helpful service, competitive loan terms, and a simple process for personal borrowing needs.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| PSECU | Credit Union | 4.8 | 4.8 | 4.7 | 96% |
| PFFCU | Credit Union | 4.7 | 4.8 | 4.7 | 95% |
| Citadel Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 94% |
| SoFi | Bank | 4.8 | 4.7 | 4.7 | 93% |
| LightStream | Bank | 4.6 | 4.8 | 4.6 | 92% |
| Freedom Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| People First Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 90% |
| Best Egg | Online | 4.6 | 4.5 | 4.6 | 89% |
| First Commonwealth Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 88% |
| Upstart | Online | 4.7 | 4.4 | 4.5 | 87% |