Does PSBT require collateral for a personal loan?

No. PSBT personal loans are unsecured, meaning no collateral is required to apply or qualify.

What types of personal loans does Peoples Security Bank offer?

PSBT offers personal term loans, auto loans (new and used), secured by savings loans, credit cards, and additional loan solutions for borrowers with unique needs.

Where is PSBT available for personal loans?

PSBT personal loans are available to borrowers in Pennsylvania, New Jersey, and New York through its network of 40 branch locations.

How do I apply for a personal loan at Peoples Security Bank?

You can fill out a contact form online, call 1.844.PSBT.NOW, or visit any of PSBT's 40 branch locations across PA, NJ, and NY to speak with a lending specialist.

Does PSBT offer auto loans?

Yes. PSBT offers new and used car loans with competitive rates and terms up to 84 months. Auto loans are available alongside personal loans through PSBT's Personal & Auto Loans product page.

Does Peoples Security Bank offer personal loan solutions for borrowers with unique situations?

Yes. PSBT's Loan Solutions program provides lending options for borrowers who may not qualify through standard channels. PSBT works with customers across PA, NJ, and NY to find accessible options.

Log into Your Account

Enroll Now Log In

Forgot Password?

Download Our App

Personal Loans Built Around You

Your Neighbors. Your Bankers.

Local lending decisions across 40 branches in PA, NJ & NY.

Make Loan Payments Online, Anytime

Managing your monthly loan payments is simple with PSBT's secure online payment portal. Pay on your schedule from any device, without needing to visit a branch or call in.

Accepted payments: Personal Loans · Auto Loans · Student Loans · Credit Cards · Home Loans

Make a Loan Payment

Personal Loans Rates

Personal Loans^¶

Term	Monthly Payment per $1,000 Borrowed^¶	Interest Rate^¶	APR^¶
Term Up to 36 Months	Monthly Payment per $1,000 Borrowed^¶ $31.98	Interest Rate^¶ 9.390%	APR^¶ 9.732%
Term 37–48 Months	Monthly Payment per $1,000 Borrowed^¶ $25.31	Interest Rate^¶ 9.890%	APR^¶ 10.153%
Term 49–60 Months	Monthly Payment per $1,000 Borrowed^¶ $21.44	Interest Rate^¶ 10.390%	APR^¶ 10.605%

New Car Loans^§

Model Year	Term	Monthly Payment per $1,000 Borrowed^§	Interest Rate^§	APR^§
Model Year 2026–2025	Term Up to 63 Months	Monthly Payment per $1,000 Borrowed^§ $18.54	Interest Rate⁴ 5.990%	APR^§ 6.188%
Model Year 2026–2025	Term 64–75 Months	Monthly Payment per $1,000 Borrowed^§ $16.14	Interest Rate⁴ 6.240%	APR^§ 6.408%
Model Year 2026–2025	Term 76–84 Months	Monthly Payment per $1,000 Borrowed^§ $14.97	Interest Rate⁴ 6.740%	APR^§ 6.892%

Used Car Loans^‖

Model Year	Term	Monthly Payment per $1,000 Borrowed^‖	Interest Rate^‖	APR^‖
Model Year 2025–2024	Term Up to 63 Months	Monthly Payment per $1,000 Borrowed^‖ $18.54	Interest Rate^‖ 5.990%	APR^‖ 6.188%
Model Year 2025–2024	Term 64–75 Months	Monthly Payment per $1,000 Borrowed^‖ $16.14	Interest Rate^‖ 6.240%	APR^‖ 6.408%
Model Year 2025–2024	Term 76–84 Months	Monthly Payment per $1,000 Borrowed^‖ $15.01	Interest Rate^‖ 6.740%	APR^‖ 6.892%
Model Year 2023	Term Up to 63 Months	Monthly Payment per $1,000 Borrowed^‖ $18.59	Interest Rate^‖ 6.090%	APR^‖ 6.289%
Model Year 2023	Term 64–75 Months	Monthly Payment per $1,000 Borrowed^‖ $16.18	Interest Rate^‖ 6.340%	APR^‖ 6.508%
Model Year 2023	Term 76–84 Months	Monthly Payment per $1,000 Borrowed^‖ $15.06	Interest Rate^‖ 6.940%	APR^‖ 7.093%
Model Year 2022	Term Up to 63 Months	Monthly Payment per $1,000 Borrowed^‖ $18.68	Interest Rate^‖ 6.290%	APR^‖ 6.490%
Model Year 2022	Term 64–75 Months	Monthly Payment per $1,000 Borrowed^‖ $16.30	Interest Rate^‖ 6.590%	APR^‖ 6.760%

DISCLOSURES

^¶Loan subject to credit approval. Annual Percentage Rates (APRs) and interest rates are accurate as of 07.26.2026 and are based on a credit score of 720 or above. Other rates and terms also available. Rates are subject to change at any time without notice. Your final interest rate and APR will be determined based on a review of your credit application. All APRs and monthly payment examples are based on a $10,000 loan amount with a $50 documentation prep fee using the greater term for each product listed above.

^§ Loan subject to credit approval. Annual Percentage Rates (APRs) and interest rates are accurate as of 07.26.2026 and are based on a credit score of 720 or above.Other rates and terms also available. Rates are subject to change at any time without notice. Your final interest rate and APR will be determined based on a review of your credit application. All APRs and monthly payment examples are based on a $10,000 loan amount with a $50 documentation prep fee using the greater term for each product listed above. Up to 125% of financing available.

^‖ Loan subject to credit approval. Annual Percentage Rates (APRs) and interest rates are accurate as of 07.26.2026 and are based on a credit score of 720 or above. Other rates and terms also available. Rates are subject to change at any time without notice. Your final interest rate and APR will be determined based on a review of your credit application. All APRs and monthly payment examples are based on a $10,000 loan amount with a $50 documentation prep fee using the greater term for each product listed above. Financing up to the amount of the NADA Book Average wholesale value.

Personal Loan Products

Personal lending in Pennsylvania, New York, and New Jesrey built around the way you live

Personal & Auto Loans

Unsecured personal term loans and new or used auto loans. Fixed monthly payments with terms up to 60 months for personal loans and up to 84 months for auto loans.

Learn More

Credit Cards

Whether you need to pay down balances or start building a credit history, we have the right card for you.

Learn More

Loan Solutions

Additional lending programs for borrowers with unique financial situations. PSBT works to find an accessible path forward for every customer across PA, NJ, and NY.

Learn More