1. Philadelphia Federal Credit Union

Founded in 1951, Philadelphia Federal Credit Union (PFCU) is a member-owned financial institution serving more than 120,000 members in Philadelphia and Columbia County, PA. Known for its community-first model, PFCU offers consumer-friendly services such as personal loans, checking, savings, credit cards, and auto financing. Its mission is to provide accessible credit and banking solutions to members who live, work, worship, or study within its service areas. Customer support is handled through local branches, online banking, and their main phone line at 215-934-3500 or 800-832-PFCU.

PFCU’s personal loans are designed to be flexible, with borrowing limits typically ranging from $500 up to $25,000, and repayment terms that can extend to 60 months. APRs begin at around 9.99% for qualified borrowers and vary by credit profile and loan amount. There are no prepayment penalties, and funds can be used for multiple needs, from debt consolidation to unexpected expenses. Members benefit from competitive loan structures, and while credit approval is required, PFCU maintains a reputation for fair underwriting standards and member-focused lending.

PFCU’s headquarters is located at 1108 Chesttnut st, Philadelphia, PA 19107, with multiple branch locations across the city, including in Center City and University City. Their routing number is 236084298, which supports electronic transfers, bill pay, and direct deposit services. Loan applications can be started online through the PFCU website or completed in-branch for those preferring face-to-face service. With a combination of online tools, a mobile banking app, and same-day decisioning in many cases, PFCU continues to be a trusted option for Philadelphians seeking urgent financial support without turning to high-cost lenders.

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2. OneMain Financial

Since 1912, OneMain Financial has earned a 4.5/5 trust score from 55,000 reviews, excelling in the space of loans in Philadelphia for bad credit with approvals for scores as low as 300. With over 1,500 branches nationwide, their Philadelphia office at 330 Oregon Ave ste f, Philadelphia,PA 19148, USA. OneMain Financial phone number is 800-290-7002 and this is the best place to get a fast loan? with same-day funding up to $20,000, boasting a 95% customer satisfaction rate.

Loan terms range from 24-60 months at 18-36% APR, partnered with Bank of America and Wells Fargo, with no hidden fees. Their debt collection is lenient, using reminders and payment plans, with a 2% default rate in 2024. Their loan origination fee is 1%. For SMBs, OneMain offers investment advice through balanced portfolios yielding 6-9% annually, focusing on bonds and mutual funds, making it ideal for those needing same day payday loans Philadelphia for urgent cash flow.

OneMain Financial has more than free branches in Philadelphia which makes it easy to get a loan quickly near you. Their in-branch service is complemented by a mobile app for granting requests in hours. OneMain’s focus on accessibility and bad credit solutions ensures SMBs and individuals can secure funds without delay, with transparent terms and dedicated support.

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3. Upstart

Launched in 2012, Upstart holds a 4.6/5 trust score from 220,000 reviews, leveraging AI to meet the needs of users asking ”where can I get a 20k loan immediately?”. They do approvals in under 3 minutes for up to $50,000. Upstart Loans Philadelphia location is fully online but their phone number is 1-855-438-8778. Upstart’s 98% approval rate for bad credit makes it a go-to for users that need loans in Philadelphia for bad credit. Their tech-driven approach minimizes paperwork, ensuring speed.

Loans carry 7.8-35.99% APR, partnered with Firstmark Credit Union and Prosper, requiring scores of 300+ with 36-60 month terms. Debt collection is fair, using automated reminders and hardship programs, with a 1.8% default rate. Investment strategies include robo-advisors yielding 5-10% returns, focusing on ESG funds for SMBs.

Upstart’s quick online loan platform in Philadelphia delivers funds via direct deposit in 1 hour, while their Philadelphia where to get a loan quickly near office offers walk-in support. Their AI assesses non-traditional metrics like employment history, ensuring accessibility for those needing to get a loan in 5 minutes..

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4. LendingClub

Since 2006, LendingClub earns a 4.4/5 trust score from 160,000 reviews, addressing how to get a loan in 5 minutes? with a peer-to-peer platform approving up to $40,000 in days. Lending Club Philadelphia location is fully online they have no physical offices. Their phone number is 888-596-3157. Their 90% customer retention rate reflects trust. They excel in personal loans Philadelphia for SMBs needing quick capital.

Loans range from 6.34-35.89% APR, partnered with BlackRock, for scores 600+ with 24-60 month terms. Debt collection is compliant, using soft pulls and payment plans, with a 1.5% default rate. Investment options include peer-to-peer lending yielding 4-7% returns, ideal for SMBs diversifying cash flow, making it a strong choice for where can I get money immediately in Philadelphia?.

Their Philadelphia online loan app processes applications in real-time, while Philadelphia where to get a loan quickly near supports in-person consultations. LendingClub’s transparent terms and quick funding make it a reliable option for urgent needs.

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5. Prosper

Established in 2005, Prosper holds a 4.3/5 trust score from 110,000 reviews, specializing in same day payday loans Philadelphia up to $50,000 for scores 640+. Prosper loans phone number is 1-(866)-615-6319. Their 85% approval rate ensures accessibility for those needing urgent money. They address loans in Philadelphia for bad credit with minimal documentation.

Loans offer 7.99-35.99% APR, powered by many lenders, with 24-60 month terms. Prosper debt collection practices include mediation, with a 2.1% default rate, ensuring fairness. Investment strategies include diversified loans yielding 5-8% returns, tailored for SMBs seeking stable growth, answering where is the best place to get a fast loan?.

Prosper’s If you are in Philadelphia looking for where to get a loan quickly online platform and Prosper provides easy access to money. Their app supports easy application and approvals, with funds available same-day for qualified applicants.

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6. SoFi

Founded in 2011 at Stanford’s startup school, SoFi boasts a 4.2/5 trust score from 10,000 reviews, offering personal loans Philadelphia up to $100,000 for scores 680+. Operating fully online, SOFI financial phone number is 855-456-7634. Their 92% customer satisfaction rate reflects reliability. If you are wondering where can I get money immediately or school fees or daily expenses SOFI provides instant approvals.

SOFI Loans range from 8.99 to 35.49% fixed APR. The company has partnered with Pagaya and Bue Owl Capital and offers 2-7 year terms. SOFI’s debt collection is customer-centric, offering hardship plans, with a 1.3% default rate. Investment options include robo-advisors yielding 6-12% returns, ideal for SMBs, making SoFi a top pick for those deciding where is the best place to get a fast loan for emergencies at school.

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7. LightStream

LightStream is the online personal-loan division of Truist Bank, designed for borrowers with good to excellent credit. They offer unsecured loans up to $100,000 for purposes such as auto financing, home improvement, debt consolidation, and medical expenses. LightStream operates fully online and does not have a physical branch in Philadelphia. (LightStream)

Loan terms typically range from 24 to 240 months depending on the loan purpose, with fixed APRs advertised from around 6.49% up to 25.39%. They charge no origination, late, or prepayment fees, and offer a “Rate Beat” program promising to beat competitor offers under certain conditions. Funding can be available the same day if approval and verification are completed by 2:30 p.m. EST. (Bankrate)

For contact, LightStream directs borrowers to email support at customerservice@lightstream.com. Since they operate online, there is no local Philadelphia office, but their parent bank Truist maintains retail branches nationwide. LightStream — company’s phone number s not listed; use Truist Bank’s customer service line or LightStream’s email support. (LightStream)

8. Avant

Avant is a Chicago-based fintech lender (222 W. Merchandise Mart Plaza, Suite 900, Chicago, IL 60654) providing personal loans and credit cards for borrowers with fair to average credit. They work with partner banks such as WebBank to issue loans. Avant emphasizes fast online applications and next-day funding in many cases. (Avant)

Loan amounts range from $2,000 to $35,000, with APRs between 9.95% and 35.99%, and repayment terms of 24 to 60 months. Origination fees may apply depending on state, and eligibility is based on credit profile, income, and other underwriting factors. Borrowers can check rates online without affecting their credit score. (Avant)

Avant’s customer support line is Avant — company’s phone number is 800-712-5407. They do not maintain a Philadelphia branch, so applications and servicing are handled online and by phone. Borrowers in Pennsylvania should review Avant’s state disclosures for full rate and fee details. (Avant)

9. Best Egg

Best Egg is an online lender headquartered in Wilmington, DE, with a servicing and correspondence address in Philadelphia (PO Box 42912, Philadelphia, PA 19101). They specialize in unsecured personal loans primarily for debt consolidation, credit card payoff, and large expenses. Funding is often available within one business day after approval. (Best Egg)

Best Egg offers loans from $2,000 to $50,000, with APRs generally ranging between 8.99% and 35.99%. Loan terms are typically 36 to 60 months. Rates depend on borrower creditworthiness, income, and requested loan size. They disclose all fees, including origination charges where applicable. (Best Egg)

For customer support, contact Best Egg — company’s phone number is 1-855-282-6353. Their Philadelphia mailing address is PO Box 42912, Philadelphia, PA 19101. Applications and servicing are handled online, making it a fast, digital-first lending option. (Best Egg)

10. Metanoia Financial

Metanoia Financial is a fiduciary, fee-only financial advisory firm located just outside Philadelphia at 40 E. Montgomery Ave, Ardmore, PA 19003. Unlike the other companies listed, Metanoia does not provide consumer loans or payday lending — instead, they focus on comprehensive financial planning and wealth management. Services include retirement planning, investment portfolio management, tax planning, and business-owner guidance. (Metanoia)

The firm operates on a transparent fee-only model, meaning they do not earn commissions from selling financial products. Clients typically pay a percentage of assets under management (AUM) or flat planning fees depending on the service package. Their goal is to help individuals and families grow long-term wealth and make sound financial decisions. (Metanoia)

Contact details: Metanoia Financial — company’s phone number is (267) 367-6077. Address: 40 E. Montgomery Ave, Ardmore, PA 19003. Prospective clients can schedule consultations online through their website to discuss retirement, investments, or tax strategies. (Metanoia)