Payday Loans in Minot, Massachusetts

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

Company nameAddressZip codePhone number
Crescent Credit Union 200 Myles Standish Blvd, Taunton, MA 02780 +1 (508) 880 - 0881
Berkshire Bank 116 Chelmsford St, Chelmsford, MA 01824 +1 (978) 256 - 3333
IC Federal Credit Union - Mechanic Street Branch 400 Mechanic St, Leominster, MA 01453 +1 (800) 262 - 1001
Loan Processing Services 221 Main St 2000, Falmouth, MA 02540 +1 (917) 681 - 8741
First Citizens' Federal Credit Union Orleans Branch 198 MA-6A, Orleans, MA 02653 +1 (800) 642 - 7515
R.H. Willson Inc. 44 North St, Pepperell, MA 01463 +1 (978) 433 - 2503
Bristol Toyota 2283 Grand Army of the Republic Hwy, Swansea, MA 02777 +1 (401) 253 - 2100
Stearns Lending: The Tomaselli Team 980 Reed Rd Suite C, Dartmouth, MA 02748 +1 (508) 243 - 1019
Franklin First FCU 57 Newton St, Greenfield, MA 01301 +1 (413) 774 - 6700
Atlantic Home Lending, Inc. 275 Turnpike St 203, Canton, MA 02021 +1 (781) 821 - 4111

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Minot, MA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Attleboro, MA, Bad Credit Loans in Beverly, MA, Payday Loans in Billerica, MA, Payday Loans in Boston, MA, Payday Loans in Brockton, MA, Bad Credit Loans in Brookline, MA, Payday Loans in Cambridge, MA and 24-Hour Loan in Chelmsford, 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 Minot, MA.

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Are Payday Loans Legal In Minot, 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

Minot, MA payday loan calculator

Advise to read before applying

Are you considering taking out a payday loan in Minot, Massachusetts? Unfortunately, payday loans are prohibited in the state of Massachusetts. In this article, we will go over why payday loans are illegal in Massachusetts, alternatives to payday loans, and interesting facts about payday loans in the state.

Why are payday loans illegal in Massachusetts?

In 2008, Massachusetts passed a law that prohibits payday lending in the state. This law was created to protect consumers from the cycle of debt that payday loans can easily trap people in.

Payday loans are short-term loans with high interest rates that are designed to be paid back in full on the borrower’s next payday. However, many people are unable to pay back the loan in full, leading them to take out another payday loan or pay hefty fees to rollover the loan. This can quickly spiral out of control and result in the borrower being stuck in a cycle of debt with no way out.

Alternatives to payday loans in Massachusetts

  • Credit union loans: Many credit unions offer small-dollar loans with lower interest rates than payday loans.
  • Personal loans: Banks and online lenders offer personal loans with longer repayment terms and lower interest rates than payday loans.
  • Credit counseling: Non-profit credit counseling organizations can help you create a budget and negotiate with your creditors to reduce or eliminate interest rates and fees.
  • Side gig: Consider taking on a side gig or part-time job to earn extra income to cover your expenses.

Remember, payday loans are not a solution to financial problems. They should be avoided at all costs due to the high interest rates and cycle of debt they can trap people in. Always explore alternative options before considering a payday loan.

Interesting facts and statistics about payday loans in Massachusetts

  • Payday loans are illegal in 15 states and the District of Columbia.
  • The average payday loan borrower takes out 10 payday loans per year.
  • The average payday loan in Massachusetts has an annual percentage rate (APR) of 404%.
  • Between 2011 and 2016, the payday loan industry cost Massachusetts families over $1 billion in fees and interest.

These statistics paint a clear picture of the negative impact of payday loans on consumers. By avoiding payday loans and exploring alternative options, you can protect yourself from falling into a cycle of debt that can be difficult to escape.

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If you are in need of a loan, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, and we prioritize the protection and satisfaction of our customers. Fill out our online application today and get connected with lenders who can offer you the best rates and terms for your specific financial situation.

F.A.Q.

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

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

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

No, payday loans are not available in Minot, 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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