Best Credit Builder Loans in Pennsylvania

Published: 9 April 2024

Author: Noah Gomez 

Finding a credit builder loan can be challenging, and sometimes strong local offers are easy to  skip in favor of popular national brands, even if the terms are better locally.

In Pennsylvania, we looked at over 55 banks, credit unions, and digital lenders to find the most cost-effective yet trustworthy options on the market.

Best Overall

Philadelphia Credit Union

Avg. Principal: $625
Avg. APR: 4%
Avg. Length: 15 months

PFCU's credit builder boasts a 4% APR (under the national average of 7.78%) for terms of 12 - 18 months on amounts as low as $250. Even at the national level, this is a competitive offer.

The catch? It's only available in Philadelphia and Columbia country. Residents out this are will have to go with an alternative, which there are fortunately plenty of below.

Best from Bank (Physical)

BMO Bank

Avg. Principal: $1000
Avg. APR: 12.24%
Avg. Length: 42 months

Best from Credit Union

Philadelphia Credit Union

Avg. Principal: $625
Avg. APR: 4%
Avg. Length: 15 months

Best from Digital Lender


Avg. Principal: $1,250
Avg. APR: 10.5%
Avg. Length: 12 months

Best Pennsylvania-Only Credit Builder Loans

Best Multi-State Credit Builder Loans Available in Pennsylvania

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