Payday Loans in Hathorne, Massachusetts

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

Company nameAddressZip codePhone number
Shrewsbury Credit Union 489 Boston Turnpike, Shrewsbury, MA 01545 +1 (508) 841 - 8550
Broadridge Financial Solutions 200 Brickstone Square 504, Andover, MA 01810 +1 (978) 247 - 7200
Metro Credit Union 215 S Broadway, Lawrence, MA 01843 +1 (877) 696 - 3876
Prime Toyota - Boston 1605 Veterans of Foreign Wars Pkwy, West Roxbury, MA 02132 +1 (617) 564 - 4301
East Boston Savings Bank 10 Elm St, Danvers, MA 01923 +1 (800) 657 - 3272
Walmart Money Center 15 Tobey Rd, West Wareham, MA 02576 +1 (508) 295 - 8890
Ron Vachon 36 S Franklin St, Holbrook, MA 02343 +1 (781) 767 - 3806
Fidelity Investments 200 Endicott St, Danvers, MA 01923 +1 (800) 418 - 6351
Moses Federal Credit Union 50 Main St 203, North Reading, MA 01864 +1 (978) 276 - 0750
Citizens Bank Supermarket Branch 160 Summer St, Kingston, MA 02364 +1 (781) 585 - 3861

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hathorne, MA, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Waltham, MA, No Credit Check Loans in Westfield, MA, Payday Loans in Woburn, MA, Payday Loans in Worcester, MA, Payday Loans in Andover, MA, 24-Hour Loan in Arlington, MA, Payday Loans in Attleboro, MA and Payday Loans in Beverly, 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 Hathorne, MA.

Useful Articles

Are Payday Loans Legal In Hathorne, 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

Hathorne, MA payday loan calculator

Advise to read before applying

If you find yourself in a tight financial situation, you may be considering a payday loan to get fast cash. However, if you live in Hathorne, Massachusetts, you should know that payday loans are prohibited by Massachusetts state law. Before you consider taking out a payday loan, it’s important to understand why they are illegal in Massachusetts and what alternatives are available to you.

What are payday loans?

A payday loan is a type of short-term loan that is usually due on your next payday. They are typically marketed as a way to get quick cash to cover unexpected expenses or emergencies. However, payday loans can come with extremely high interest rates and fees, which can trap borrowers in a cycle of debt.

Why are payday loans illegal in Massachusetts?

Payday loans are illegal in Massachusetts due to strict usury laws that limit the amount of interest that can be charged on loans. The Massachusetts Small Loan Act caps the interest rate at 23% and prohibits lenders from charging additional fees or finance charges. Payday lenders typically charge significantly higher interest rates, making them illegal in Massachusetts.

What are the alternatives to payday loans in Hathorne, Massachusetts?

If you need fast cash and live in Hathorne, Massachusetts, there are several alternatives to payday loans that you can consider:

  • Credit union loans: Many credit unions offer small-dollar loans with reasonable interest rates and repayment terms.
  • Pawn shop loans: If you have valuable items, you may be able to get a loan from a pawn shop by using your items as collateral.
  • Personal loans: You may be able to get a personal loan from a bank or online lender with a lower interest rate than a payday loan.
  • Credit card cash advance: While not ideal, a credit card cash advance may be a better option than a payday loan if you already have a credit card with available credit.

What are the risks of payday loans?

Payday loans can be extremely risky for borrowers, as they often come with high interest rates and fees that can trap borrowers in a cycle of debt. According to the Consumer Financial Protection Bureau, payday loans can have an APR as high as 400%. Borrowers who cannot repay the loan on their next payday may be forced to take out another loan to cover the first loan, creating a cycle of debt that is difficult to escape.

Interesting Facts and Statistics about Payday Loans in Hathorne, Massachusetts

Despite being illegal in Massachusetts, payday lenders still target residents of the state through online lending and out-of-state lenders. In fact, a study by the Pew Charitable Trusts found that 19 million American households use payday loans each year, with an average borrower taking out eight loans of $375 each per year.

Apply Now

If you are in need of fast cash in Hathorne, Massachusetts, TheGuaranteedLoans can help connect you with potential lenders. Please note that TheGuaranteedLoans is a connector service, not a direct lender. We can help facilitate your connection with potential lenders and provide you with the resources you need to make an informed decision about your finances. Apply now to see if you qualify for a loan.

F.A.Q.

Are there any alternatives to payday loans in Hathorne, Massachusetts?

Yes, there are several alternatives to payday loans in Hathorne, Massachusetts, including credit unions, community development financial institutions, and small-dollar loan programs offered by banks and credit unions.

Can I still take out a payday loan if I live in Hathorne, Massachusetts but the lender is based in another state?

No, it is illegal for payday lenders to offer loans to residents of Massachusetts, regardless of where the lender is located.

Look for Short-Term Loans in Other Cities:

Andover Arlington Attleboro Beverly Billerica Boston Brockton Brookline Cambridge Chelmsford Chelsea Chicopee Dartmouth Dracut Everett Fall River Falmouth Fitchburg Framingham Haverhill Holyoke Lawrence Leominster Lexington Lowell Lynn Malden Marlborough Medford Natick Needham New Bedford Newton North Andover Peabody Pittsfield Plymouth Quincy Randolph Revere Salem Shrewsbury Somerville Springfield Taunton Tewksbury Waltham Westfield Woburn Worcester
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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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