Pennsylvania is on the 27th ranked for cost of living. According to the reports, approximately $ 49,040 per year debt which is 2 % lower than the national average per capita debt. It is an expensive state as compared to neighboring states. Monthly $ 3,000 or above expenditure per person. $ 49,040 covers average debts such as Mortgage, Auto, Student, and Personal loans.
Debt consolidation can be a solution for all loans. Debt Consolidation Loan Lenders in Pennsylvania consolidate other loans and provide loan amounts at lower interest rates. Other loans have high interest rates but this loan reduces interest rates, and you have to pay online in a single installment at the end of each month.
39 % of Pennsylvania students have Student loans, and they can apply for Debt consolidation loans from debt consolidation loan lenders in Pennsylvania that help to reduce high-interest rates on Student loans.
Best Debt Consolidation Loan Lenders in Pennsylvania
A debt consolidation loan can be a secured or unsecured loan that depends on the company policies or your credit card score. For debt consolidation loans, companies take collateral as a security, or if your credit score is bad then companies consider high-interest rates in debt consolidation loans.
We have shared the top 20 best debt consolidation loan lenders in Pennsylvania that provide services through their online websites or branches in Pennsylvania.
You can also read:
- Premier Bank
- Mid Penn Bank
- Ardent Credit Union
- Dollar Bank
- Harold Shepley & Associates
- American Consumer Credit Counseling
- New Era Solutions
- OneMain Financial
- Best Egg
- National Debt Relief
- DebtCafe USA
- Lendmark Financial Services
- American Debt Resources
- Clearview FCU
- Susquehanna Valley Federal Credit Union
- Pennsylvania Debt Relief.org
- World Trade Mortgage
1. Premier Bank
Premier Bank is one of the best debt consolidation loan lenders in Pennsylvania that provides services through its website and is also available in Ohio, Indiana, and Michigan and its counties. You can consolidate all your debts into one new debt and this loan is available for 60 months of term time.
Interest rates and Monthly payments depend on your credit card score and your existing debts. You can get up to a $ 1,00,000 loan amount in a debt consolidation loan based on your credit card limit, and this bank does not consider or charge any orientation fees, prepayment fees, hidden charges, or extra charges.
Branch – Headquarters: Pennsylvania
2. Mid Penn Bank
Mid Penn Bank was established as The Millersburg Trust Company in 1888, in Millersburg, Pennsylvania. This bank provides services in 19 counties of Pennsylvania and New Jersey. Mid Penn Bank offers Personal loans, Business loans, Investment loans, Home equity loans, Mortgages, and Debt consolidation loans.
It is one of the oldest debt consolidation loan lenders in Pennsylvania that combines all loans into one new loan with lower interest rates and APR rates. In debt consolidation loans, the company gives you extra time to pay the debt loan back, and you will get out of debt soon. The company charges no extra or hidden fees.
Headquarters: Millersburg, Pennsylvania
3. Ardent Credit Union
Ardent Credit Union was established in 1977, in Philadelphia, Pennsylvania. This union provides services in Pennsylvania and outside Pennsylvania via online websites and branches. It is one of the best debt consolidation loan lenders in Pennsylvania that offers Personal loans, Home equity loans, Financial loans, etc.
This credit union provides up to $ 25,000 small loan amount for up to 60 months of term time at a lower interest rate. Your credit card score must be good and your APR is up to a 10.99 % rate for this loan. You can also choose your payment day, and the loan amount will be credited within 24 hours or the next day.
Headquarters: Philadelphia, Pennsylvania
4. Dollar Bank
Dollar Bank was founded by Charles Colton in 1855, in Pittsburgh, Pennsylvania. This bank has more than 90 offices in Northeast Ohio, Western Pennsylvania, Cumberland Narrows, Maryland, and Hampton Roads, Virginia. This bank is one of the oldest debt consolidation loan lenders in Pennsylvania and provides up to $ 1,00,000 in credit card loan consolidation.
This bank offers credit card loans up to $ 1,00,000 loan amount consolidated in debt consolidation loans. The interest rate can be up to 20 %, and monthly installments depend on your consolidation loan. A debt consolidation loan term time of up to 15 years, and you can overcome your term time by increasing the monthly installments.
Headquarters: Pittsburgh, Pennsylvania
5. Harold Shepley & Associates
Harold Shepley & Associates is a full-service debt relief and law firm in Pennsylvania. This firm has expertise in Debt relief, Bankruptcy, Debt negotiation and consolidation, etc. Harold Shepley & Associates provides services through their online website in Pennsylvania and has branches such as Somerset, Pittsburgh, Greensburg, Harrisburg, and Altoona.
It is one of the best debt consolidation loan lenders in Pennsylvania that covers almost all the area of Pennsylvania. Debt Consolidation combines multiple old debts under a single installment payment that helps you to get out of all debt in the shortest amount of term time. Credit card score and APR rate are also the main factors for debt consolidation loans.
Headquarters: Somerset, Pennsylvania
Americor company was founded by Benny Ganatra in Irvine, California, and became one of the best debt consolidation loan lenders in Pennsylvania. It provides online Debt consolidation loans, Debt settlement loans, and Credit counseling services and does not take orientation and hidden costs.
Debt consolidation loans merge all the other loans and make a single payment at a lower interest rate that is easily paid at the end of each month. This company offers a $ 5,000 to $ 40,000 loan amount for 12 to 60 months of term time. You should have a good credit card score with a good APR rate for this loan.
Headquarters: Irvine, California
7. American Consumer Credit Counseling
American Consumer Credit Counseling (AC-CC) was founded in 1991, in Newton, Massachusetts, and is one of the best debt consolidation loan lenders in Pennsylvania. It is a non-profit organization that offers Housing Counseling, Student loan counseling, Debt Consolidation, Financial Education, Credit Counseling Services, Debt management, Budget Counseling, and Bankruptcy Counseling.
For debt consolidation loans, this company takes collateral as a security because it provides secure debt loans at lower interest rates for a term time. For this loan, your credit card score and APR rates must be good enough for application, and the loan amount will depend on your credit card history and other debts.
Headquarters: Newton, Massachusetts
8. New Era Solutions
New Era was established in 1999, in Camarillo, California. It is a debt settlement company that provides debt settlement and consolidation loan services in Idaho, Tennessee, Maryland, Pennsylvania, and its counties and Nevada through its online website. It is one of the best online debt consolidation loan lenders in Pennsylvania.
Your minimum credit card score will be 600 and above with a good APR rate for a debt consolidation loan. It is an unsecured loan, and the company takes collateral as security. If you fail to repay the consolidation loan then the company will use collateral to recover the debt consolidation loan amount.
Headquarters: Camarillo, California
9. OneMain Financial
Alexander E. Duncan founded OneMain Financial in Evansville, Indiana. It is an American financial services company with 1400 offices in 44 countries including Pennsylvania. Also, OneMain Financial has branches in Pennsylvania such as East Stroudsburg, Whitehall, Downingtown, Harrisburg, Bethlehem, Wilkes-Barre Township, etc.
It is one of the best debt consolidation loan lenders in Pennsylvania that provides up to $ 20,000 loan amount for debt consolidation loans at lower interest rates for a term time, and the debt consolidation loan amount will depend on your resident area. It consolidates your debts such as Credit card debts, Personal loans, Autos, Mortgage loans, etc.
Headquarters: Evansville, Indiana
10. Best Egg
Best Egg was established by Paul Ricci in 2014, in Philadelphia, Pennsylvania. This company provides services in Kansas, Texas, California, etc. through an online website and also has some branches in Pennsylvania counties or cities. It is one of the best debt consolidation loan lenders in Pennsylvania.
For debt consolidation loans, your minimum credit score is 640 with a good APR score, and a $ 2000 to $ 50,000 loan amount will be provided within 24 hours for a term time. This loan helps consolidate all debts into one installment and does not need to pay high-interest rates on different loans.
Headquarters: Philadelphia, Pennsylvania
11. National Debt Relief
Alex K is the current CEO of National Debt Relief has provided loan services since 2009 and offers consolidation loans, bankruptcy referrals, credit counseling services, and more. It is one of the best online debt consolidation loan lenders in Pennsylvania and helps more than 5,50,000 customers get out of debt nationwide.
This company does not provide debt consolidation loans to everyone in Pennsylvania. National Debt Relief considers consolidation loan applications when you have more loans at high interest rates. Your credit card score and APR must be good for this loan, and the loan amount or term time will depend on the consolidation loan plan.
Headquarters: New York
12. DebtCafe USA
DebtCafe USA has many branches in the USA such as Florida, Pennsylvania, Alabama, Maryland, Indiana, Montana, Virginia, and many more. This company provides services through its online website in Pittsburgh, Pennsylvania. Also, This company provides Mortgage loans, Personal loans, etc., and consolidates all these loans into debt consolidation loans.
Debt consolidation loan amount depends on your credit card score and APR rate. You have to pay a small monthly amount at the end of each month. Homeownership is not required for this loan, and no orientation, prepayment, or extra charges are considered by the company. Also, the consultation service is free, and you can call any time and learn more about consolidation loans.
PA State Employee Credit Union (PSECU) was founded in 1934, in Pennsylvania. It is a not-for-profit credit union that provides Personal loans, Debt consolidation loans, Mortgage loans, Student loans, Home equity loans, and Auto loans. PSECU provides services in Pennsylvania counties with its online website.
PSECU debt consolidation loan amount will depend on what type of loans you want to consolidate, and the interest rate is lower than the other loans’ interest rates. You can manage your debt installments and get out of the debt soon. Your credit card score and APR rate will be good for this loan.
14. Lendmark Financial Services
Lendmark Financial Services was established in 1996, in Lawrenceville, Georgia, and has 500+ branches in 22 states of the USA. This company provides Personal loans, Debt consolidation loans, Credit insurance, and Auto loans. You can apply for consolidation loans through their websites and agents.
Debt consolidation loan amounts will depend on states and cities, and interest rates are lower than the older debts. You can save your money at the end of each month and your credit card score is unaffected by these loans. The amount will be credited within 24 hours, and the APR rate must be fair or good.
Headquarters: Lawrenceville, Georgia
15. American Debt Resources
American Debt Resources was established in Ocoee, Florida, and provides consolidation services through its website in many states including Pennsylvania and its counties such as Elverson, Weatherly, Bensalem, Tobyhanna, Freeland, Allison Park, etc. This company consolidates all old debts into a single loan reducing the interest rate and monthly payments.
In debt consolidation loans, you will get up to $ 1,00,000 in loan amount, reduced by 30 % to 60 % monthly payment, four years of term time. This company takes late fees plenty between $ 25 to $ 29 per account. Your APR rate and credit card score must be good during the application.
Headquarters: Ocoee, Florida
16. Clearview FCU
Clearview Federal Credit Union was established in 1953, in Moon Township, Pennsylvania. It is one of the oldest debt consolidation loan lenders in Pennsylvania and its counties such as Canonsburg, Center Township, Chippewa, Delmont, Hopewell Township, Kennedy Township, Latrobe, Lower Burrell, McMurray, etc. This company also provides services outside of Pennsylvania through its online websites.
You can consolidate up to $ 1,00,000 credit card loan into a debt consolidation loan. Monthly payments and installments will depend on the consolidated debt amount, and you can choose up to 15 years of term time at up to 20 % interest rate. The interest rate will depend on the consolidated loan and the period of the consolidation loan.
Headquarters: Moon Township, Pennsylvania
17. Susquehanna Valley Federal Credit Union
Established in 1967, Susquehanna Valley Federal Credit Union in Camp Hill, Pennsylvania. This FCU has over 6000 members and $ 14 million in assets. This company provides Home equity loans, Debt consolidation loans, Visa loans, Bikes and Auto loans, etc. It is the most trusted loan lender in Pennsylvania.
Debt consolidation loans consolidate multiple debts which have higher interest rates after consolidation this loan applies a lower interest rate, and the loan amount will depend on how many debts you want to consolidate. It provides a debt consolidation loan as a secured loan which means it takes collateral as a security.
Headquarters: Camp Hill, Pennsylvania
18. Pennsylvania Debt Relief.org
Walter E. Burch is the founder of Pennsylvania Debt Relief.org, and this company is owned and operated by the Envoy Media Group Incorporation. This company does not provide debt directly but serves to connect customers to BBB-accredited companies that offer a review of consolidation options and a free evaluation at no obligation.
For a debt consolidation loan, your APR must be between 5.99 % to 35.99 % with a good credit card score that helps to gain maximum loan amount at a lower interest rate for a term time. All the credit card debt balances are transferred into a debt consolidation loan and make a single monthly payment.
Headquarters: Westlake Village, California
19. World Trade Mortgage
World Trade Mortgage is located in Chester County, Pennsylvania. Sean Phelan is the CEO of this company who opened this company in 2001. This company provides Debt consolidation loans, Investment loans, Mortgage loans, Refinancing loans, etc., and does not charge any upfront fees from the customers.
World Trade Mortgage debt consolidation loan amount depends on credit card score and APR rate. It consolidates multiple debts into one loan and reduces high-interest rates to lower interest rates. This company takes collateral as a security for debt consolidation loans.
Headquarters: Chester County, Pennsylvania
In 2019, After the merger of Branch Banking and SunTrust Banks, Truist was formed in Charlotte, North Carolina. Truist operates 2781 branches in 15 states of the USA including Pennsylvania, Maryland, DC, Connecticut, etc. It provides debt consolidation loans through its online website.
Credit card score is not set by the company but your APR must be between 8.14 % to 18.99 %. Truist offers a $ 3,500 to $ 50,000 loan amount for 6 to 60 months and you will get the loan amount within 24 hours or the next day. It does not charge any orientation fees, hidden charges, prepayment fees, etc.
Headquarters: Charlotte, North Carolina
The above-mentioned companies provide debt consolidation loans in different conditions and areas. Before buying or applying the loans, you can check their policies through their online websites. These loan lenders are public companies or credit unions that check your credit card history and APR rate then decide on debt consolidation loan money.