Payday Loans in Manchester, Massachusetts

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

Company nameAddressZip codePhone number
Homestead Mortgage, LLC 1600 Falmouth Rd 2, Centerville, MA 02632 +1 (508) 775 - 4663
North Brookfield Savings Bank 4 Daniel Shays Hwy, Belchertown, MA 01007 +1 (413) 323 - 8416
Clinton Savings Bank 306 W Boylston St, West Boylston, MA 01583 +1 (508) 835 - 9955
Bank of America Financial Center 693 High St, Westwood, MA 02090 +1 (781) 461 - 0078
Fairway Independent Mortgage Corporation 907 Massachusetts Ave, Cambridge, MA 02139 +1 (617) 456 - 1700
Mills42 Federal Credit Union 83 Merrimack St, Lowell, MA 01852 +1 (978) 328 - 5100
Savers Bank 96 Worcester St, North Grafton, MA 01536 +1 (508) 839 - 6901
Lynn Firemen's Federal Credit Union 30 Boston St 9, Lynn, MA 01905 +1 (781) 593 - 8354
BankFive 136 Faunce Corner Rd, Dartmouth, MA 02747 +1 (774) 888 - 6210
Greylock Investment Group 660 Merrill Rd, Pittsfield, MA 01201 +1 (413) 236 - 4837

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Manchester, MA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Framingham, MA, Payday Loans in Haverhill, MA, Payday Loans in Holyoke, MA, Payday Loans in Lawrence, MA, Same Day Loans in Leominster, MA, Bad Credit Loans in Lexington, MA, Payday Loans in Lowell, MA and Payday Loans in Lynn, 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 Manchester, MA.

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Are Payday Loans Legal In Manchester, 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

Manchester, MA payday loan calculator

Advise to read before applying

Payday Loans in Manchester, Massachusetts: Is It Possible?

Payday loans are short-term, high-interest loans that can be tempting when you need cash fast. But if you live in Manchester, Massachusetts, you may be out of luck. Payday lending is not allowed in the state of Massachusetts, which means you’ll need to look for other options.

What are Payday Loans?

Payday loans are often marketed to people who need to borrow small amounts of money quickly to cover unexpected expenses. They typically have high interest rates and fees, and the repayment period is usually only two weeks to a month.

The downside of payday loans is that once you take one out, it can be easy to get stuck in a cycle of debt. If you can’t pay the loan back in full by the due date, you may be charged additional fees and interest. This can make it even harder to pay off the loan, which can lead you to take out another payday loan to cover the costs.

Why are Payday Loans Prohibited in Massachusetts?

The state of Massachusetts has laws in place to protect consumers from the predatory lending practices associated with payday loans. The state’s small loan rate cap restricts lenders from charging interest rates higher than 23% per year.

Payday lenders often charge much higher interest rates and fees, which is why they are not allowed to operate in Massachusetts. This means that you won’t be able to find a payday loan store in Manchester or any other city in the state.

What Are the Alternatives?

Just because you can’t get a payday loan in Massachusetts doesn’t mean you’re out of options if you need cash fast. Here are a few alternatives to consider:

  • Personal Loans: A personal loan may be a good option if you have decent credit and can wait a few days for the funds. These loans typically have better interest rates than payday loans and a longer repayment period.
  • Credit Cards: If you have a credit card with available credit, it may be better to use that instead of taking out a payday loan. Just be sure to pay off the balance as soon as possible so you don’t get stuck in credit card debt.
  • Charity Assistance: There are local charities that may be able to provide emergency financial assistance if you’re in a bind. Contact local non-profits for more information.

Interesting Facts and Statistics About Payday Loans in Massachusetts:

  • Massachusetts is one of 15 states that prohibit or severely restrict payday lending.
  • In a 2010 report, the Massachusetts Division of Banks found that payday lenders charged annual percentage rates (APRs) of up to 671%.
  • The average payday loan borrower in Massachusetts takes out 10 loans a year, according to a 2013 report by the Massachusetts Attorney General’s office.

Apply Now

If you need to borrow money quickly and can’t get a payday loan in Massachusetts, TheGuaranteedLoans can connect you with potential lenders who may be able to help. Simply fill out our online application and we’ll do our best to find you a loan option that works for you. Please note that TheGuaranteedLoans is a connector service, not a direct lender, and we do not make decisions about loan approval or offer lending services directly.

F.A.Q.

Can I get a payday loan with bad credit in Manchester, Massachusetts?

No, payday loans are not available in Manchester, Massachusetts regardless of credit history.

Can I get a payday loan without a checking account in Manchester, Massachusetts?

No, payday loans are not available in Manchester, Massachusetts regardless of banking status.

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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