Payday Loans in Charlton City, Massachusetts

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No payday loan companies in Charlton City, MA. Consider companies in other cities:

Company nameAddressZip codePhone number
Leominster Credit Union 159 Mechanic St, Clinton, MA 01510 +1 (978) 537 - 8021
New York Life office of John N Hernandez 203 Adams St, Newton, MA 02458 +1 (603) 969 - 1725
The Polish National Credit Union 32 College Hwy, Southampton, MA 01073 +1 (413) 282 - 0085
Lee Bank 75 North St, Pittsfield, MA 01201 +1 (413) 445 - 7270
Citizens Bank Supermarket Branch 2991 Cranberry Hwy, East Wareham, MA 02538 +1 (508) 295 - 2069
UniBank 91 Prospect St, Milford, MA 01757 +1 (508) 478 - 5666
Rockland Trust 75 Huttleston Ave, Fairhaven, MA 02719 +1 (781) 982 - 6851
Bank of America Financial Center 692 Depot St, North Easton, MA 02356 +1 (800) 432 - 1000
Rockland Trust 14 Hastings St, MA-16, Mendon, MA 01756 +1 (508) 634 - 4114
South Bow Auto LLC 85 S Bow St 3376, Milford, MA 01757 +1 (508) 816 - 5613

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Charlton City, MA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Malden, MA, Payday Loans in Marlborough, MA, Payday Loans in Medford, MA, Payday Loans in Natick, MA, Payday Loans in Needham, MA, Payday Loans in New Bedford, MA, Online Loans in Newton, MA and 24-Hour Loan in North Andover, MA. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Charlton City, MA.

Beautiful sights of Charlton City, MA

Are Payday Loans Legal In Charlton City, Massachusetts?

Payday Lending is Prohibited in Massachusetts

Massachusetts Loan Regulations

Legal StatusProhibited
Interest Rate (APR, %)Prohibited
Maximum Loan AmountProhibited
Minimum Loan TermProhibited
Maximum Loan TermProhibited
Number of Rollovers AllowedProhibited
Finance ChargesProhibited

Charlton City, MA payday loan calculator

Payday Loans in Charlton City, Massachusetts: A Comprehensive Guide

When it comes to finding quick cash, payday loans are a popular option for many Americans. However, if you reside in Charlton City, Massachusetts, you may be wondering if payday loans are available in your area. The short answer is no. Payday loans are not permitted in the state of Massachusetts. In this comprehensive guide, we’ll explore why payday loans are prohibited in Charlton City and what alternative options are available to you.

Why Are Payday Loans Prohibited in Massachusetts?

Payday loans are a controversial type of loan that often come with high-interest rates and short repayment periods. The state of Massachusetts has taken a firm stance against payday lending, recognizing the, often predatory, nature of such loans. As such, the state has strict laws in place that govern payday lending. In fact, payday lending has been banned in Massachusetts since 2008.

The Division of Banks in Massachusetts has regulated many types of consumer lending to ensure safe and fair financial practices. This is why payday lenders, who charge interest rates of up to 391%, are not allowed in the state. These regulations are put in place to protect consumers from the unjust terms and high-interest rates that payday loans often have.

What Are the Alternatives to Payday Loans in Charlton City, Massachusetts?

Despite payday loans being illegal in Massachusetts, there are still many other options available for those seeking quick cash. Here are a few options:

  • Personal Loans: Personal loans are a great alternative to payday loans and can provide you with additional financing with fewer risks. They often come with lower interest rates and a longer repayment period.
  • Credit Unions: Credit unions are often more flexible than traditional banks, and they’re always willing to help members in need. You may be able to obtain a small loan from your credit union with a low interest rate, depending on your credit history and membership with the credit union.
  • Credit Counseling: If you’re consistently struggling with debt, it may be time to seek a credit counseling service. A credit counselor can help you create a budgeting plan and manage your finances more effectively to avoid future financial problems.

Interesting Facts About Payday Loans in Charlton City, Massachusetts

  • In 2008, Massachusetts became the fifth state to outlaw payday lending.
  • The interest rates of payday loans can average between 390% to over 600%.
  • The average payday loan borrower will take out eight loans a year, remaining in debt for at least half the year.
  • The payday lending industry makes billions of dollars each year in predatory fees and interest rates.

Apply Now

If you’re in Charlton City, Massachusetts, and need quick financial assistance, TheGuaranteedLoans can connect you with potential lenders. Please note that TheGuaranteedLoans is a lending service connector and not a direct lender, but we can facilitate your connection to a suitable lender. Fill out our online application now to get started on your journey to finding the right lending solution for you.

Payday loans may not be available in Charlton City, but that doesn’t mean you don’t have options. Explore different lenders that can offer you quick cash without all the risks of payday loans. At TheGuaranteedLoans, we’re here to help you find the best lending solution for your needs.

F.A.Q.

How do I know if a lender is offering illegal payday loans in Charlton City, Massachusetts?

Lenders offering illegal payday loans in Charlton City, Massachusetts may not be licensed by the state and may have high interest rates and fees that are not allowed under state law.

What can I do if I have taken out an illegal payday loan in Charlton City, Massachusetts?

If you have taken out an illegal payday loan in Charlton City, Massachusetts, you can contact the Massachusetts State Department of Financial Services to report the lender and seek assistance in resolving the issue.