Payday Loans in Fayville, Massachusetts

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

Company nameAddressZip codePhone number
Eastern Bank 71 Carver Rd, Plymouth, MA 02360 +1 (508) 747 - 6060
Citizens Bank Supermarket Branch 89 French King Hwy, Greenfield, MA 01301 +1 (413) 774 - 2135
Workers Credit Union 1050 Westminster St, Fitchburg, MA 01420 +1 (978) 345 - 1021
Springleaf Financial Services 1595 Lakeview Ave, Dracut, MA 01826 +1 (978) 957 - 4844
Southern Mass Credit Union - Fairhaven 123 Alden Rd, Fairhaven, MA 02719 +1 (508) 994 - 9971
Raymond James Financial Services 3000 Minuteman RoadBldg 4 Link, Andover, MA 01810 +1 (978) 794 - 2975
Norfolk Community Federal Credit Union 18 Union St Suite 104, Norfolk, MA 02056 +1 (508) 528 - 3360
Citizens Bank Supermarket Branch 1282 Springfield St, Feeding Hills, MA 01030 +1 (413) 789 - 1025
Citizens Bank Supermarket Branch 290 Turnpike Rd, Westborough, MA 01581 +1 (508) 836 - 2606
Merrill Lynch Wealth Management 1545 Iyannough Rd, Hyannis, MA 02601 +1 (508) 771 - 9862

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Fayville, MA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Randolph, MA, Guaranteed Loans in Revere, MA, Online Loans in Salem, MA, Payday Loan for Shrewsbury, MA, Payday Loans in Somerville, MA, Payday Loans in Springfield, MA, Payday Loans in Taunton, MA and Guaranteed Loans in Tewksbury, 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 Fayville, MA.

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Are Payday Loans Legal In Fayville, 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

Fayville, MA payday loan calculator

Advise to read before applying

Payday Loans in Fayville, Massachusetts

Payday loans are short-term loans that are usually taken out to cover emergency expenses. While they can be helpful for those who need quick cash, payday loans are illegal in Massachusetts. In this article, we will explain why payday loans are prohibited in Fayville, Massachusetts, and the alternative options that are available to residents of the state.

Understanding Payday Loans

Payday loans are typically small, high-interest loans that are due to be repaid in full by the borrower’s next payday. These loans are often marketed as a way to help people cover unexpected expenses, such as a car repair or medical bill.

However, payday loans have extremely high interest rates and fees, making them an expensive option for borrowers. In many cases, borrowers end up taking out additional loans to cover the original loan and end up stuck in a cycle of debt.

Why Payday Loans are Prohibited in Massachusetts

Payday loans are illegal in Massachusetts under state law. The state’s small loan interest rate cap prohibits lenders from charging more than 23% interest per year, making payday loans unfeasible for lenders.

In addition, Massachusetts imposes strict regulations on small loans, including payday loans. Lenders must be licensed with the state, and they are required to follow certain rules and regulations when issuing loans. These regulations are designed to protect consumers from being taken advantage of by unscrupulous lenders.

Alternatives to Payday Loans

If you need fast cash, there are several alternatives to payday loans that are available in Fayville, Massachusetts. These include:

  • Personal loans: Personal loans are available from a variety of lenders, including traditional banks and online lenders. These loans typically have a longer repayment period and lower interest rates than payday loans.
  • Credit cards: If you have good credit, you may be able to qualify for a credit card with a low interest rate. This can be a good option for small expenses that you can pay off over time.
  • Local assistance: If you are in need of emergency financial assistance, there may be local resources available to you, such as charitable organizations or government programs.

Interesting Facts and Statistics about Payday Loans in Fayville, Massachusetts

Despite being illegal in Massachusetts, payday loans are still a problem in the state. According to a report from the Center for Responsible Lending, payday lenders in Massachusetts are finding ways to get around the state’s regulations and issue loans with interest rates as high as 300%.

The report also found that payday lenders target low-income neighborhoods and communities of color, leaving vulnerable borrowers stuck in a cycle of debt.

Apply Now

While payday loans are not available in Fayville, Massachusetts, TheGuaranteedLoans can help connect you with lenders for other types of loans. If you’re in need of fast cash, you can fill out our online application to get started. Please note that TheGuaranteedLoans is a connector service and not a direct lender.

Our network of lenders offers a wide range of loan options, including personal loans and installment loans. We work with borrowers of all credit levels and can help you find the right loan for your needs.

Don’t let an unexpected expense catch you off guard. Apply now and get the cash you need to cover your expenses.

F.A.Q.

Can I still be charged fees on a payday loan in Fayville, Massachusetts?

No, you cannot be charged fees on a payday loan in Fayville, Massachusetts because these loans are illegal in the state.

Can I be evicted from my home for taking out a payday loan in Fayville, Massachusetts?

No, you cannot be evicted from your home for taking out a payday loan in Fayville, Massachusetts because these loans are illegal in the state.

Look for Short-Term Loans in Other Cities:

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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