Pennsylvania State Payday Loan Laws

By Shawn Martin


Pennsylvania State Flag
Pennsylvania State Flag

Pennsylvania state payday loan laws are pretty much open season on the borrowers.

This state, like many others, has no specific payday loan legislation thus you are pretty much at the mercy of the lenders, and they are very short on mercy.

There are no limits on loan amounts, and no limits on how many payday loans you may have at any one time.

A very bad set up for some serious payday loan debt.

These companies in this state are allowed to charge any fees and interest rates the customer agrees to pay, leading to huge fees and APR’s of well into the 1000’s.

If you are not careful, you may find yourself paying back triple or worse what you borrow.

Loan time limits are not regulated nor are how many times you may roll over a payday loan in Pennsylvania. Considering most people roll over a payday loan between 4 to 5 times per loan cycle, this becomes excessively expensive.

Every time you roll over a payday loan you are actually starting the loan over, including fees and interest charges. It will add up fast and catch you in the payday loan trap before you know it.

We can help!


If you have found yourself in trouble in Pennsylvania with payday loan debt we can help.

Check out our Payday loan repayment plan and fill out a free no obligation quote to find out what we can do for you.

The best way to deal with these companies is to not deal with them at all. If you do use them, always pay any loan you take out in full on the first due date and retire the loan asap.

Any other activity with these companies will take away your hard earned money quicker than the government.

12 thoughts on “Pennsylvania State Payday Loan Laws”

  1. It’s almost like the Wild West all over again. Anything goes. Let’s hope the day arrives quickly when all 50 states get a handle on these predatory practices. Great work, Shawn.

    1. Hi Zach,
      The laws really cover brick and mortar businesses. The online companies will do as they please in most states. They appeal more to people because you can receive money directly into your checking or savings account within 24 hours. They are bad news.
      Shawn>>

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