When you’re seeking a personal loan, it’s important to work with a bank you know you can trust — one that understands your specific situation. As a result, many people want to choose a local bank when it’s time to apply for a loan. We’ve been serving the needs of local communities in these areas for more than 155 years. That means we have the experience and the staff to understand what your specific needs are, and we know the best way to meet those needs.

From South Central Pennsylvania to Northern Maryland, PeoplesBank is your partner for all of your personal loan needs. We offer a wide variety of loans to help you with the many challenges that life brings. Best of all, our loan decisions are made locally by people who know and understand your community, and you can easily apply online.

Compare Our Personal Loans

Choose the personal loan that’s right for you with the help of our convenient comparison chart.

Fixed Option Home Equity Line of Credit

Tap into your home's equity and put it to work for you. Our Fixed Option Home Equity Line of Credit gives you the power to make renovations, purchase big ticket items and consolidate high interest debt.

Our line of credit revolves, so you can use the money, pay it back and begin drawing on it again. It allows you complete control over your finances, letting you decide how much to spend and how much to repay from month to month. Enjoy the excitement of buying things you have always wanted with a reasonable interest rate.

Apply Now!

Interest-Only Home Equity Line of Credit

Maximize your budget with our Interest-Only Home Equity Line of Credit. Pay only interest for the first ten years while enjoying the same access as our Fixed Option Home Equity Line of Credit.

With the interest-only option, you hold your short-term expenses down. You can pay for home improvements or go on a vacation and not worry about paying back the loan for years. An interest-only loan also lets you access your money using a debit card or check, making it easy to get to when you need it.

Apply Now!

New Vehicle & Motorcycle Loans

Our New Vehicle & Motorcycle loans allow you to finance your dream vehicle through the PeoplesBank financial centers that you use for all of your banking. Not all vehicle and motorcycle loans are the same. You can shop around to find the one that best meets your needs and offers you the type of financing that fits your budget. 

Looking beyond the dealership opens the opportunity to work with the professionals at PeoplesBank, people you already know and who have assisted you with other financial matters. You enjoy a comfort level you won't find elsewhere when you work with your hometown bank. We offer a range of fixed terms, and we can discuss the optimal fit for you.

Apply Now!

Used Vehicle & Motorcycle Loans

Purchase a used vehicle from a dealer or a private party with our Used Vehicle & Motorcycle Loans. You can even refinance your existing vehicle loan or use the equity in your vehicle for other needs.

You can find a payment size that works for you with a fixed loan rate. Work it into your budget, and see how convenient it can be to have a bank that tailors products to your needs. We can discuss your needs and goals when you take out the loan to ensure it will work for you over the long term. Our products offer greater flexibility than what you find at a dealership.

Apply Now!

Unsecured Installment Loans

Our Unsecured Installment Loans are quick and easy with no collateral required. Consolidate bills, take a vacation or make home repairs. You can tailor the payment amount to fit your budget when you take out an unsecured installment loan. The rate remains fixed, and we have a variety of terms available. You don't have to use your property as collateral, which means we grant the loan after looking over your personal credit history.

Apply Now!

Personal Line of Credit

Well-qualified borrowers can use the Personal Line of Credit for just about anything. It's flexible and there when you need it. The revolving credit line allows you to pay the loan back as you go and refresh the balance available to you. If you want new furniture, you can buy it, then pay off the amount on a timeline that works for you and replenish the available borrowing amount. The simple approach even allows you to access the line using a debit card./p>

Apply Now!

Overdraft Line of Protection

Protect yourself from the embarrassment of an overdrawn checking account with the Overdraft Line of Protection. We offer a revolving line that keeps your checking account from going into the red. The line costs you nothing if you don't use it, so it's a no-risk option. You receive the peace of mind of knowing that if you do accidentally go over, you're protected.

Apply Now!

Current Loans Rates

View our current loan rates to help you decide which loan is right for you.

Our Service Area

PeoplesBank got its start back in 1864 in York County, Pennsylvania. As a small, independent bank, we quickly made connections in the community. From the beginning, our goal has been to provide our neighbors with local services that rival even the biggest names in the industry. Our clients trust us because we’ve proven that we care about their needs, goals and priorities, and our team has the knowledge and talent to back up our solutions.

As word grew of our exceptional service, we were able to expand. We built new locations in Lancaster, Pennsylvania, and Baltimore, Maryland, giving us the opportunity to serve two states through banking, personal loans, commercial loans and wealth management. Today, we have over 350 associates and 24 financial centers in York, Lancaster, Baltimore and Cumberland counties, serving those counties and the surrounding region. You can find our closest location on our Find a Location page.

Why Choose PeoplesBank for Personal Loans in Pennsylvania and Maryland?

For more than 150 years, clients in Maryland and Pennsylvania have been coming to our regional locations for personal loans and other financial services. There are many reasons to choose a PeoplesBank loan:

  • We take care to keep costs reasonable. PeoplesBank works hard to keep interest rates and fees competitive on all our financial products.
  • We’re local. When you need personal loan services, you want to speak with someone who understands the local community — PeoplesBank does. When you need to meet with us or contact us, we’re close and answer promptly. We also care about the community and make contributions to local organizations.
  • We make it easy to apply. When you need a loan from PeoplesBank, simply apply online and a representative will contact you within 1-2 business days.
  • We offer a range of loans. Our installment loans are ideal for one-time purchases, while our Home Equity Line of Credit with Fixed Options is a great choice for ongoing expenses. Our Interest-Only Line of Credit is an affordable form of financing, while our Overdraft Protection Credit Line protects you from unwanted fees.
  • We offer convenient personal loan services at locations around Maryland and Pennsylvania, including Baltimore, Maryland, York, Pennsylvania, and Lancaster, Pennsylvania. You can stop in to ask your questions and find out more about any of our individual offerings.
  • We have the necessary experience to help you. Our longstanding presence in the community offers the stability you want from a lender. We understand the rules governing loans and can assist you with any concerns you have along the way. We have helped many people in your position, so we grasp what you want to know and how we can guide you.

Reasons to Consider a Personal Loan

Why should you consider applying for unsecured or other personal loans in Pennsylvania and Maryland? Everyone needs extra money at some point. Whether you target a specific expense, such as buying a new vehicle or paying for a medical procedure, or you want money to save for a possible future emergency, personal loans can assist you in many ways.

We have helped many people just like you get a personal loan in York, Baltimore, and surrounding areas. There are few reasons a personal loan could be right for you, including:

  • More flexible options: Instead of going through a dealership for a car loan, you can take out a personal loan. You enjoy greater flexibility and can work with the people you have known at PeoplesBank for years instead of adding another lender to your credit report.
  • Debt consolidation options: Paying down your debts by consolidating them all into one can reduce the amount of interest you pay, especially if some of that debt comes from high-interest credit cards. You may pay less in the long run when you consolidate.
  • Improving your home: At a time when interest rates on home loans remain at historic lows, now is the best time to make the home improvements you have dreamed about. When you make improvements before you sell your home, you can also enjoy them before putting the house on the market at a higher price.
  • Financing a big lifetime event: Do you have a child getting married or a new baby on the way? Significant milestones often demand investments, and with a personal loan, you can take care of all your expenses while locking in a low interest rate.
  • Going on a dream vacation: You work hard, and you want to enjoy life on your downtime. If you have been saving for a vacation and had to use the money for something else, or you need just a little more money to cover the cost of your trip, a personal loan offers the extra cushion. You can be on your way to an exciting destination within days.

Everyone’s finances are different, and you need loans and lenders that understand that. PeoplesBank is here to work with you to identify the options that fit your needs. When we find the financial solutions for you, we’ll help you build a new, more secure future that you and your loved ones will cherish.

With our physical locations all around Central Pennsylvania and Northern Maryland, there’s sure to be a convenient office near you. Come in and meet with us about our personal loan availability when you’re ready to get started. If it’s better for your schedule, we can also talk via phone or email to walk you through our online application process.

Tips to Prepare for Your Loan Application

So, you’re ready to apply for a personal loan with PeoplesBank. While the loan approval process can take some time, there are some things you can do to prepare to help the process go smoother and faster. Consider:

  • Ensuring your finances are in order: When possible, try to pay off as many bills and other outstanding loan balances as possible before applying for a new personal loan. Doing so will boost your chances of being accepted by lowering your debt-to-income ratio (DTI).
  • Checking your credit: While you’re checking out your finances, take a look at your credit scores and make sure they’re error-free. If your credit isn’t where you want it to be and you can wait a bit on your loan, taking some time to build up your credit can give you a significantly better loan offer.
  • Using a co-signer: If your credit is low and you really can’t wait on your loan, using a co-signer is a good way to improve your loan application. A co-signer, usually someone with excellent credit and financial history, becomes responsible for your loan if you can’t pay it off.
  • Gathering your materials: As with any loan, you’ll need to have some documentation on hand when your lender asks for it. Keep records like photo identification, proof of residence, recent pay stubs and bank statements together and in a safe place so you have them ready to go when it’s time to apply.

Apply Online for Your Personal Loan

Though we’ve been around a long time, we’ve always made sure to keep up with the times for the convenience of our clients. One of the ways that’s reflected is in the number of personal services we’ve moved to our online banking system. These services include the ability to quickly apply for a personal loan anywhere in York, Lancaster or beyond using PeoplesBank online. We know applying for a loan can be a stressful process, but we’re here to help. We offer a fast and simple online application to make applying easy.

View the complete listing of our National Mortgage Licensing System Identification Numbers for loan officer information, or connect with us today to learn more about our online personal loan services for Pennsylvania and Maryland clients. We’ll help you find the best loan types for you and get you started with the application process.