Payday Loans in Malden, Massachusetts

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Payday Loan Companies in Malden, MA

Company nameAddressZip codePhone number
Art Carl Jewelers & AC Loan 56 Pleasant St 02148 +1 (781) 322 - 4551
Century Bank 140 Ferry Street at, Eastern Ave 02148 +1 (781) 388 - 2100
Citizens Bank Supermarket Branch 99 Charles St 02148 +1 (781) 322 - 6948
Eastern Bank 130 Pleasant St 02148 +1 (781) 388 - 1210
Malden FCU 10 Holden St 02148 +1 (781) 324 - 2241
Malden Redevelopment Authority 17 Pleasant Street, 3rd Floor 02148 +1 (781) 324 - 5720
People's United Bank 51 Commercial St 02148 +1 (781) 321 - 1910
Pioneer Bank 350 Main St 02148 +1 (781) 388 - 2200

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Malden, MA, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Marlborough, MA, Payday Loans in Medford, MA, Payday Loans in Natick, MA, Payday Loans in Needham, MA, Payday Loans in New Bedford, MA, Payday Loans in Newton, MA, Payday Loans in North Andover, MA and Quick Loan in Peabody, 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 Malden, MA.

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Payday Loans Available in Malden, MA By The Following ZIP Codes:

02148

Are Payday Loans Legal In Malden, 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

Malden, MA payday loan calculator

Advise to read before applying

Payday Loans in Malden, Massachusetts

Payday loans are short-term, high-interest loans that are generally used to cover emergency expenses. They are often advertised as “quick cash” and are typically used by people who have been rejected by traditional lenders such as banks. Unfortunately, payday loans are prohibited in Massachusetts and in many other states, as they can lead to a debt spiral and worsen a borrower’s financial situation.

A borrower with a payday loan in Malden, Massachusetts will not be able to find a lender since it has been illegal in the state since 2009. The 2009 law prohibits lenders from using any type of loan that charges an interest rate over 23% and specifically prohibits payday loans. Therefore, borrowers in Massachusetts should be wary of any lender who claims to offer payday loans, as it is likely an illegal lender operating in violation of the state law.

Alternatives to Payday Loans in Malden, Massachusetts

Though payday loans are not available in Malden, there are other ways to get the funding you need. Consider these alternatives:

  • Friends and family members: This option may not be ideal for everyone, but if you have a friend or family member who is able to lend you some money to cover your emergency expenses, it may be the best option.
  • Credit cards: For some people, this may be their best option. Credit cards often offer lower interest rates than payday loans, and if you are able to pay the balance off quickly, you can avoid accruing interest. Make sure to weigh the pros and cons before deciding on a credit card.
  • Community organizations: Many communities have organizations that are dedicated to providing financial assistance. These organizations may offer small loans or grants to those in need. Contact your local community organizations to see what resources are available.
  • Budgeting: If you are able to cut back on your current expenses and create a budget, you may be able to manage your current financial situation without needing to borrow money.

F.A.Q.

Is it legal to take out a payday loan in Malden, Massachusetts?

No, payday loans are prohibited in Massachusetts. The state has a law that specifically prohibits lenders from charging interest rates over 23%, which makes payday loans illegal.

What are some alternatives to payday loans in Malden, Massachusetts?

Friends and family members, credit cards, community organizations and budgeting are all potential alternatives to payday loans in Malden, Massachusetts.

Apply Now

If you need help finding a lender in Malden, Massachusetts, TheGuaranteedLoans can help. We are not a lender but we can connect you with lenders who may be able to assist you in your time of need. Simply fill out the online application and our team of experts will do the rest.

More F.A.Q.

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

Lenders offering illegal payday loans in Malden, 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 Malden, Massachusetts?

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

How Many Cash Advance Companies are in Malden, MA?

With the help of our service, you will be able to find 8 cash advance companies in Malden, MA

What Cash Advance Companies in Malden, MA are the most popular?

You should check Art Carl Jewelers & AC Loan, Century Bank, and Citizens Bank Supermarket Branch. Also, you can start your application online on our website.

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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