What Are the Top-Rated Personal Loan Providers Right Now? 6 Best Options

If you’re comparing personal loans right now, it’s important to look beyond the advertised starting rate. The best lender for your needs should offer a strong mix of affordability, transparent terms and flexible repayment options.

It should also provide a borrowing experience that aligns with your financial goals. Whether you’re considering a loan for debt consolidation, home improvements or emergency costs, choosing the right provider can make a meaningful difference in your long-term budget.

Because lenders vary widely in APRs, fees, qualification standards and loan amounts, comparing top providers side by side is the best way to identify real value. Below is a breakdown of the top-rated personal loan providers right now.

1. PSECU

For borrowers seeking a practical balance of affordability and a more member-focused lending experience, PSECU stands out as one of the top-rated personal loan providers available. Its flexible term range can work for both short and long-term repayment. PSECU’s website highlights its mission, saying, “As a member-owned credit union, we provide lifelong value to our members.”

Key Features

  • Rates as low as 8.99% APR
  • Maximum APR of 17.99%
  • Loan amounts from $1,000 to $20,000
  • Terms from three to 84 months

2. LightStream

LightStream is often a leading option for borrowers with strong credit who want larger loan amounts and a no-fee structure. It’s ideal if your credit profile qualifies for top-tier rates. As LightStream states, “We believe that good-credit customers deserve a fast and easy loan process, incredible service and excellent rates.”

Key Features

  • Loan amounts up to $100,000
  • No fees
  • Competitive rates for well-qualified borrowers
  • Good fit for major planned expenses

3. SoFi

SoFi remains popular among borrowers seeking a modern online lending experience and access to larger personal loan amounts. This provider is a competitive option if convenience and higher borrowing potential are priorities. CEO Anthony Noto says, “We’re building a capital-light, fee-based business” as SoFi expands personal loan delivery.

Key Features

  • High maximum loan limits
  • Streamlined digital application process
  • Broad repayment flexibility
  • Strong brand recognition in online lending

4. Discover

Discover continues to stand out because of its straightforward, fee-conscious approach to personal lending. If avoiding fees is one of your top priorities, it offers one of the cleanest options on the market. The lender sums up its value proposition in one short line — “No Fees. Period.”

Key Features

  • No origination fee
  • No prepayment penalty
  • Competitive midrange loan amounts
  • Clear repayment structure

5. Upstart

Upstart is frequently a go-to for borrowers who may not have a long or traditional credit profile. This option is best if they find standard lenders harder to qualify for. The company describes its approach online, telling, “You’re more than your credit score.”

Key Features

  • Flexible underwriting approach
  • Accessible for some fair-credit applicants
  • Lower minimum loan amounts
  • Fast online prequalification process

6. Upgrade 

Upgrade remains a common choice for borrowers focused on consolidating balances and comparing flexible online loan offers. It’s worth considering if you want repayment flexibility. However, it’s especially important to compare the full APR and any origination fees. Its broader brand message reflects that positioning, stating “We believe credit should be affordable and responsible.”

Key Features

  • Broad loan amount range
  • Long repayment options available
  • Often used for debt consolidation
  • Fully online application process

Quick Comparison: Top-Rated Personal Loan Providers

Provider Notable Advantage Loan Amount Best for
PSECU Credit-union structure and competitive fixed rates $1,000 to $20,000 Overall value and predictable payments
LightStream No fees and high loan limits $5,000 to $100,000 Excellent credit borrowers
SoFi Broad loan limits and member perks $5,000 to $100,000 Large loans and digital convenience
Discover No origination or prepayment fees $2,500 to $40,000 No-fee borrowing
Upstart Alternate underwriting approach $1,000 to $75,000 Fair credit or limited credit history
Upgrade Flexible term options $1,000 to $50,000 Debt consolidation

Frequently Asked Questions

Picking a personal loan provider can be easier when you know the answers to these common questions about them.

Q: What should matter most when choosing a personal loan?

A: The most important elements are APR, fees, loan amount, repayment term and monthly affordability. Your credit score is one of the biggest factors in determining which personal loan offers you may qualify for. Borrowers with stronger credit profiles are more likely to qualify for lower APRs, fewer fees and better repayment terms across the best personal loan providers.

Q: Do personal loan rates vary between lenders?

A: Yes. Personal loan rates can vary significantly based on the lender, your credit score, income, debt-to-income ratio, and repayment term. Even a small APR difference can change the total cost of borrowing, which is why comparing multiple top-rated personal loan providers is essential before applying.

Q: Is prequalifying for a personal loan a good idea?

A: In many cases, yes. Prequalification can help you estimate your potential rate, loan amount, and monthly payment before submitting a full application. Since many lenders offer prequalification with a soft credit check, it can be a smart way to compare options without immediately affecting your credit score.

Choosing the Right Personal Loan Provider

If you’re asking, “What are the top-rated personal loan providers right now?”, the answer depends on what matters most to you — lower rates, larger loan amounts, no fees, easier qualification or predictable repayment. The best personal loan provider is the one that offers the most manageable total cost for your specific financial situation.

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Harrisburg-area home sales, prices inch up in March, says report

A house for sale in Harrisburg

The greater Harrisburg housing market held mostly steady in March, according to the latest report on previously owned homes.

For the three-county region, 446 homes sold compared to 442 in March 2025, as the median sales price climbed to $285,000 versus $275,300, stated the Greater Harrisburg Association of Realtors (GHAR).

In Dauphin County, 220 houses changed hands in March, a drop from 237 in the year-ago period, while the median sales price increased to $265,000 from $240,000, GHAR said.

Cumberland County had 186 home sales compared to 179 the prior March, as the median sales price was unchanged at $322,250, GHAR stated.

In Perry County, 36 homes sold versus 19 in March 2025, as the median sales price remained unchanged at $234,500, according to GHAR.

The pace of sales slowed in March, as “average days on market” increased to 37 days in March compared to 32 days in March 2025, said GHAR.

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The Week that Was: News and features around Harrisburg

The Tri-County Association for the Blind building, bought by WebFX for possible future use

Read more about WebFX’s expansion into another mansion on Front Street, a new fare system coming to Harrisburg’s public transit this summer and more—all compiled for you below:

April’s happenings at local museums, parks, art galleries and more are all listed for you here, as seen in our monthly magazine.

Chavis Law Firm’s owner emphasizes the importance of creating a will for your family, in our April magazine story.

Dauphin County commissioners declined to approve a list of annual gaming grants, citing concerns about allocation and alleged misuse. Read more here.

Dauphin County is seeing turnover in top economic positions, according to our online story.

Harrisburg Catholic Worker hosted a press conference to call for the release of Omar Viadurre Luis, a Harrisburg asylum seeker, from an ICE detention center. Read more in our online story.

Our “Musical Notes” columnist has compiled all the best bands coming to the area this month. Click here to see the lineup, as seen in our April magazine

Our publisher paid tribute to his late neighbor in his editorial this month—a quirky, community-minded man, who loved his leafblower. Read more, as seen in our April issue, here

Rabbittransit plans to roll out a new, account-based fare system this summer that will allow riders to tap to pay with cards or phones, our online story reported.

Sara Bozich has compiled the best events of the weekend in her Weekend Roundup, including Plants + Pints at Strawberry Square. Check out the full list.

WebFX got almost $1 million in state money this week and plans to expand its campus into another Front Street mansion; it also purchased another building on N. 2nd Street for possible future use, our online story reports.

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Pennsylvania’s Regulated iGaming Market Demonstrates Long-Term Stability

Pennsylvania’s Regulated iGaming Market Demonstrates Long-Term Stability

Pennsylvania’s iGaming market shows sustained growth into 2026. Here’s what steady revenue trends reveal about long-term stability.

Pennsylvania’s online gambling sector has reached a point that many newer markets are still dreaming about. It is no longer defined by rapid expansion alone, but by something far more valuable: consistency.

Over the past two years, the state has moved beyond early-stage growth into a phase where performance is measured not just by record highs, but by how reliably those highs are maintained. That distinction matters. It signals a market that is settling into long-term stability rather than chasing short-term gains.

Why the PA Online Casino Model Works

Pennsylvania’s regulated gaming environment, overseen by the Pennsylvania Gaming Control Board, has now delivered five consecutive years of overall gaming revenue growth. The strength of the PA online casino sector lies in its design. From the outset, Pennsylvania adopted a highly structured regulatory approach. Licensing requirements are strict, and tax rates are among the highest in the United States. Online slots are taxed at 54%, while table games and poker sit at 16%.

This has had a filtering effect. Only well-capitalized operators with long-term strategies have entered the market. That reduces the risk of instability caused by aggressive short-term competition.

At the same time, players benefit from a broad and regulated ecosystem. Platforms offer a wide selection of online real money games, from high-frequency slot play to slower, strategy-driven table games and poker. The result is a well balanced product mix where slots generate the bulk of revenue, but table games and poker provide consistency. This diversity helps smooth out fluctuations in player behavior.

Sustained Revenue Growth Reflects Structural Strength

The headline figures are difficult to ignore. Pennsylvania reported approximately $2.77 billion in iGaming revenue for 2025, representing a year-on-year increase of more than 27%, according to the Pennsylvania Gaming Control Board. Monthly performance has followed a similarly steady trajectory, with December 2025 reaching nearly $260 million, continuing a sequence of record-setting months.

Crucially, these gains have not been driven by isolated events or seasonal spikes. Instead, they reflect a gradual expansion of player participation and spending over time. Early 2026 data continues this trend, with double-digit growth recorded across the broader gaming sector, thanks to online casino activity.

Digital Channels Are Rebalancing the Gaming Economy

One of the most recent developments in Pennsylvania is the shifting balance between land-based and digital gaming.

While physical casinos still remain significant contributors, online platforms are taking the a larger share of total revenue each passing year. In several reporting periods throughout 2025, iGaming outperformed retail segments in terms of growth rates, reinforcing its position as a core driver of the state’s gaming economy.

The success of the online model has important implications in the market. Digital platforms are scalable because they are less exposed to geographical constraints and seasonal footfall. For policymakers, it translates into a steadier stream of tax income, supported by continuous player engagement rather than episodic visitation.

Regulation as a Stabilizing Force

The numbers are promising but the durability of Pennsylvania’s market is closely tied to its regulatory architecture. The state’s framework imposes clear standards on licensing, consumer protection, and operational transparency. Operators are required to adhere to uniform compliance measures, while games are subject to verification processes that ensure fairness.

This level of oversight has two immediate effects. First, it reduces the likelihood of market distortion caused by aggressive or unsustainable practices. Second, it creates a degree of trust that encourages long-term participation.

Players are more inclined to remain within regulated environments when outcomes are predictable and protections are strict. Operators, in turn, compete on product quality

A Market Defined by Predictability 

Perhaps the most telling feature of Pennsylvania’s iGaming sector is what it lacks.

There are a few signs of the volatility often associated with emerging markets. Promotional intensity remains controlled. Revenue growth, while robust, is incremental rather than erratic.

This predictability is not accidental. It is the product of deliberate policy choices, measured operator expansion, and continuous product refinement.

New entrants have been integrated without destabilising existing operators. Technological innovation has been absorbed into the market without creating fragmentation. Growth has been paced.

For investors and policymakers alike, this creates a more reliable environment. Forecasting becomes more straightforward. Risk becomes more manageable.

Implications for the Wider U.S. Market

Pennsylvania is viewed as a reference point for other jurisdictions considering or expanding iGaming legislation.

Its experience demonstrates that regulation and innovation are not mutually exclusive. A well-structured framework can support both, provided it allows sufficient flexibility for product evolution.

States that have yet to fully embrace online casino gaming may find in Pennsylvania a model for balancing competing priorities: consumer protection, fiscal benefit, and market growth.

The key lesson is not simply that iGaming can generate revenue, but that it can do so in a stable and repeatable manner.

Growth That Holds Its Ground

Pennsylvania’s iGaming sector is no longer defined by rapid expansion alone. It is defined by its ability to hold onto that growth.

The combination of strict regulation, diversified products, and consistent player engagement has created a market that behaves more like a mature financial asset than a speculative one.

Revenue rises, but it also settles at higher levels. Monthly peaks are followed by stable baselines rather than declines. Tax income remains predictable.

For operators, this offers a level of clarity that is rare in digital markets. For policymakers, it provides a dependable source of funding. For players, it delivers a regulated and accessible environment.

In short, Pennsylvania has built a system that does not rely on momentum to succeed. It relies on structure.

And that is what makes its stability convincing.

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Rabbittransit to roll out new bus fare payment system for Harrisburg this summer

RabbitPay card (Image courtest of Rabbittransit)

Your morning bus ride may soon get a little easier.

This summer, Rabbittransit is planning to roll out a new fare collection system for its Harrisburg fleet. 

The system will offer users the ability to pay for rides with either physical “RabbitPay”cards or their phone, by using a new mobile app. They will be able to tap either at orange terminals—located at the fare station just inside buses—to pay.

According to the public transportation provider’s executive director, Richard Farr, the new system will be account-based, allowing riders to purchase fares or fare passes online as well as at ticket vending machines.

The account-based system also will offer riders more security, in that if they lose their physical RabbitPay card, or cash reserved for their fare, they will still be able to pay for a ticket through their phone.

“Very rarely does someone lose their phone,” said Farr.

Farr acknowledged that Rabbittransit’s current mobile app has deficiencies that the new system seeks to improve upon—like having to launch the app before the bus comes because it takes a while to load. Plus, he added, “if you decide not to ride after you activated it, you’ve lost the ride.”

By comparison, the new system will only take fares off of users’ accounts if they touch the orange payment terminal inside the bus.

The new system seeks to improve upon Rabbittransit’s current card system, wherein if users bend or lose their card, they lose their fare. 

“With the account-based system, if you lose your card, you don’t lose your rides,” Farr said.

Users will still be able to buy any pass packs they’ve become accustomed to on this system. It will also feature “fare capping”—a system allowing riders to pay as they go through single-ride fares until they reach the price of a larger pass.

Farr said Rabbittransit plans to send street teams out across Harrisburg in mid-July to help its users sign up for and learn to use the new system.

All riders will get a free RabbitPay card once, he said. If they lose it, they will have to pay $3.50 to replace it.

Farr emphasized Rabbittransit is looking to move away from cash fare payments, although it will always accept them.

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WebFX set to expand into nearby mansion with state support; purchases another building for possible future use

WebFX CEO Bill Craig and local and state officials at a press conference Thursday.

One of Harrisburg’s biggest tech companies received state support as it continues to expand.

State officials joined WebFX at its Front Street headquarters Thursday to announce plans for expansion, as well as a nearly $1 million grant.

“It’s a big milestone,” said WebFX founder and CEO Bill Craig.

WebFX was awarded $900,000 in PA First and WEDnet grants for the renovation and expansion into the Tracy Mansion, just up the street at 1829 N. Front St.

The company purchased the building several years ago, but construction was put on hold during the pandemic and as WebFX secured funding, according to Craig. Total estimated construction on the building will cost over $10 million.

The Tracy Mansion has sat vacant for several years, but previously housed Char’s Restaurant in part of it.

Tracy Mansion

The new building, which Craig said is slated to be completed in October, will house additional office space, allowing them to add over 100 more employees to their almost 400.

Former Tri-County Association for the Blind building.

Craig also confirmed with TheBurg that WebFX has purchased the former Tri-County Association for the Blind building at 1800 N. 2nd St. Craig said that the company’s goal would be to renovate and expand into that building in several years as well.

Tracy Mansion will mark WebFX’s fifth building, adding 23,000 square feet of space to the company’s footprint. Craig emphasized his passion for renovating historic city buildings, rather than building new.

“Sometimes, that takes a little extra dollars and extra muscle and things like that to make it happen, but that’s how we try to live our lives here at WebFX,” Craig said.

Construction inside Tracy Mansion.

PA Department of Community and Economic Development Secretary Rick Siger said that the investment in WebFX is part of the larger commitment to revitalizing Harrisburg.

“This is exactly the kind of project Gov. Shapiro and this administration want to throw our weight behind,” Siger said. “It doesn’t just help the company grow, it helps lift up the local economy, it helps grow this great city, and helps the people that call Harrisburg home.”

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What Are the Top-Rated Credit Unions? 4 Options in PA

When choosing a credit union in Central Pennsylvania, you want fair fees, solid digital banking and responsive customer service.

Discover four top-rated picks across PA, so you can make an informed choice.

What Are the Top-Rated Credit Unions In PA?

With today’s financial landscape, there are many credit unions to choose from. These are some of the top picks for anyone looking for reliable options in PA.

1.     Members 1st Federal Credit Union

Members 1st Federal Credit Union is a strong pick if you want a Central PA credit union that feels practical day to day, with solid branch access and digital banking that holds up. The team focuses on everyday usability, not flashy extras. You can handle routine money tasks easily, get support when questions pop up and still keep that local footprint.

Members 1st is best if you want a Central PA-first option with a balanced online and in-person experience. The company says it’s “here to help members thrive and better the communities [it] serves.”

Key Features:

  • MyConcierge™ guided support for common financial decisions
  • Digital banking tools with mobile and online access for daily account management
  • Member-first approach that shows up in service and support

2.     Police and Fire Federal Credit Union

Police and Fire Federal Credit Union can be a good fit if you want a larger-scale credit union experience while still keeping the member-owned model. This credit union offers a broader footprint and a familiar service style for members who like established systems. Eligibility and location convenience can vary, so it’s worth confirming that part early.

Clients can easily “speak with a live Member Service Representative during [its] call Center hours of operation.” Police and Fire Federal Credit Union is best if you want scale and structure, and you’re fine with checking eligibility up front.

Key Features:

  • Digital banking tools for everyday account management
  • Standard lending options that cover common needs
  • Member support channels for questions and account help

3.     Citadel Credit Union

Citadel Credit Union is often a stronger match for people who live or work in eastern Pennsylvania and want a regional option with modern digital banking. “Citadel is a not-for-profit member-owned credit union built on the unshakeable promise to serve those who work every day.” Its value tends to come from its regional footprint and steady account access tools.

Citadel Credit Union is best for you if you’re based closer to eastern PA and want branch convenience and digital tools.

Key Features:

  • Mobile and online banking, including core features for daily use
  • In-person support options and branch access in its primary area
  • Standard accounts and loans

4.     New Cumberland Federal Credit Union

New Cumberland Federal Credit Union offers a smaller local feel, keeping your financial life closer to home. Smaller credit unions often appeal to members who want straightforward service and a community-rooted footprint. The trade-off is usually fewer locations, so convenience depends on where you spend your time.

New Cumberland Federal Credit Union is best for you if you want a central PA option with a smaller footprint and a simpler experience. According to the company, “Once a member, always a member!”

Key Features:

  • Checking and savings basic accounts
  • Digital banking basics for routine tasks
  • Local service style for community-focused support

Comparing the Top-Rated Credit Unions

Taking a look at each side-by-side might help make the overall decision easier.

Credit Union Footprint in PA Digital Banking Member Perks and Tools
Members 1st Federal Credit Union Strong presence in Central PA Robust mobile and online banking MyConcierge™ and budgeting support content
Police and Fire Federal Credit Union Strong PA footprint Full digital suite Common lending and deposit options
Citadel Credit Union Strong in SE PA Full mobile access Member-focused services
New Cumberland Federal Credit Union Central PA area Practical digital basics Community-rooted service

How These Credit Unions Were Chosen

“Top-rated” can mean many things, from a review score on an awards list to a personal recommendation from a colleague. A blend of factors was used to evaluate the top-rated credit unions in Pennsylvania.

Third-party recognition, including statewide or regional lists and reputable rankings, was considered. Branch reach in Central PA, digital banking that feels steady and account options that cover the basics were all prioritized.

Frequently Asked Questions

Learn more about top-rated credit unions.

Q: Are credit unions insured like other financial institutions?

A: Many credit unions are federally insured through the NCUA. That coverage is similar in purpose to other deposit insurance models. Always confirm insurance details on the credit union’s side.

Q: How do membership requirements work?

A: Most credit unions use eligibility rules tied to where you live, where you work, your employer or family membership. It’s usually quick to confirm online.

Q: Should you prioritize branches or digital banking?

A: If you rarely visit a branch, prioritize the mobile app and support options. If you like face-to-face help, prioritize locations and hours.

Convenient Banking in Central PA

Start with a credit union that suits your daily routine. Check eligibility, branch access and digital banking tools. Then, select the credit union that most suits your needs.

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Weekend Roundup with Sara Bozich

 

Plan your weekend with my weekly list of things to do around Harrisburg and central PA!

What you’ll find below:

For something new: Senators Baseball is back! PUCHOG Beef & Brew at Chambers Hill Fire Co. on Saturday

Worth noting: Camp Hill’s Spring Fling is Saturday; Plants + Pints is Sunday! Get your tickets now for fastest entry!

Things on my agenda this weekend: Quick overnight to Lanc for some R&R&R, family movie night Fri, then a wild Saturday – Red Land Youth Baseball Opening Day, Spring Fling, more baseball, and Cub Scout Night at BAPS. Sunday, find me at Plants + Pints (but you knew that already).

Thursday

Friday

Saturday

Sunday

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Dauphin County to see turnover in top economic development positions

Dauphin County commissioners

Two top economic development officials will soon be replaced by the Dauphin County commissioners.

According to documents obtained by TheBurg, George Connor, the long-time executive director for the county’s Department of Community and Economic Development, will retire next Wednesday. 

Connor’s deputy director of resources and planning, Daniel Robinson, was fired at the end of March, according to the documents.

These officials sat at the top of a department that spearheads programs to encourage business and industry growth in Dauphin County.

The commissioners voted 2-1 last week to approve Robinson’s termination. Commission Chair Justin Douglas voted “no” for what he said was “the termination of a valuable employee with no disciplinary record.”

“I adamantly oppose,” he said at the April 1 meeting.

The chair said that he was not consulted when Robinson was fired, and that he did not receive an explanation surrounding the personnel move.

“This individual works in the department of which I have oversight. Yet, to reiterate, my colleagues terminated him without consulting or including me and without cause,” Douglas said.

Connor’s retirement was unanimously approved by the commissioners in last week’s meeting, as was the posting of both positions to allow the county to seek replacements.

Connor’s last day is listed as April 15.

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Dauphin County tables award of gaming grants, citing concerns about allocation, alleged misuse

Dauphin County commissioners meeting

The Dauphin County commissioners has moved to table its annual award of gaming grant recipients, which were up for approval on Wednesday.

While Commissioner Mike Pries moved to approve $11.1 million for 159 gaming grants, as recommended by the Gaming Advisory Board, fellow commissioners George Hartwick and Justin Douglas declined to second. The commissioners then tabled the vote.

Gaming grants distribute millions of dollars taken from gaming revenue from the Hollywood Casino at Penn National. 

Of the $11.1 million worth of projects presented by the board Wednesday, only $10.8 million would be covered by restricted gaming funds, leaving a funding gap of $266,000 for which the Gaming Board asked commissioners to use unrestricted gaming funds.

Restricted gaming funds are specifically earmarked for Dauphin County nonprofits, municipalities and businesses to use for specific projects following an application and approval process.

“We should not be approving spending that exceeds what is available,” Hartwick expressed to the Gaming Board’s solicitor, LaToya Winfield Bellamy. 

Hartwick said doing so would have “real financial consequences to taxpayers.” According to the Dauphin County Commissioner, these unrestricted funds make up a “significant portion of our fund balance.”

“Every dollar we spend from that pool directly impacts our financial stability and our ability to avoid future tax increases,” Hartwick said. 

Gaming Board Solicitor LaToya Winfield Bellamy presents to the commissioners

Commission Chair Justin Douglas said he planned to abstain from voting on gaming grant allocations due to concerns about the program—dealing with both how grant recipients are selected and how grant dollars are ultimately spent.

“It has become increasingly clear that the system has significant shortcomings, including instances where award funds have been misused,” Douglas said.

The commissioner asked for more oversight structures to be implemented in the program, saying the county does not have a proper auditing process to ensure grant funds are used for what they’ve been awarded for.

“I cannot, in good conscience, continue to support this program in its current form,” he said. 

Douglas noted that the organizations applying to receive these grants are doing important work and would benefit from a more transparent grant process. 

The Gaming Advisory Board is appointed by the Dauphin County Commissioners. The board makes recommendations for grant awards. 

Pries, a commissioner since 2010, said at the meeting that he doesn’t recall the board of commissioners questioning the Gaming Advisory Board in years past.

“I do know this was the first year that I, as one commissioner, was not asked to meet with anyone and give my input in advance, but that’s the job of the Gaming Advisory Board,” he said. “That’s what we selected them to do. That’s what we appointed them to do.”

In 2025, all new members were appointed to the gaming advisory board. They served through the 2025-26 grant cycle, reviewing applications, hearing presentations, and ultimately developing recommendations.

A full list of proposed gaming grant awardees can be found on the Dauphin County Commissioners’ Wednesday meeting agenda.

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