Payday Loans in Wendell Depot, Massachusetts

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

Company nameAddressZip codePhone number
K S Payments & Services 794 State St, Springfield, MA 01109 +1 (413) 273 - 1326
Northeast Check Cashing Inc 477 Park Ave, Worcester, MA 01610 +1 (508) 791 - 3688
Clinton Savings Bank 81 Shrewsbury St, Boylston, MA 01505 +1 (508) 869 - 3122
Woburn Municipal Federal CU 8 Cedar St, Woburn, MA 01801 +1 (781) 933 - 2600
Watertown Savings Bank ATM 49 River St, Waltham, MA 02453
Rockland Trust 272 Columbia Rd, Hanover, MA 02339 +1 (781) 826 - 2911
Berkshire Bank 25 Worcester Rd, Webster, MA 01570 +1 (508) 943 - 4408
Fairway Independent Mortgage Corporation 44 Trapelo Rd 3rd Floor, 3rd Floor, Belmont, MA 02478 +1 (617) 594 - 5406
Patricia Beckwith - Raymond James 85 Constitution Ln, Danvers, MA 01923 +1 (978) 777 - 5500
Rollstone Bank & Trust 486 John Fitch Hwy, Fitchburg, MA 01420 +1 (978) 310 - 3032

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wendell Depot, MA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Somerville, MA, Payday Loans in Springfield, MA, 24-Hour Loan in Taunton, MA, Payday Loans in Tewksbury, MA, Payday Loans in Waltham, MA, Guaranteed Loans in Westfield, MA, Payday Loans in Woburn, MA and Payday Loans in Worcester, 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 Wendell Depot, MA.

Useful Articles

Are Payday Loans Legal In Wendell Depot, 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

Wendell Depot, MA payday loan calculator

Advise to read before applying

Payday Loans in Wendell Depot, Massachusetts:

If you are considering taking out a payday loan in Wendell Depot, Massachusetts, it’s important to know that these types of short-term loans are prohibited in the state. While many states allow payday lending as a means of helping individuals access emergency funds, Massachusetts has taken a stand against these loans due to the high interest rates and fees associated with them.

What are Payday Loans?

Payday loans are a type of short-term loan that are typically used to cover unexpected expenses or to tide individuals over until their next paycheck. They are often marketed as a quick and easy way to access cash, with many lenders promising instant approval and access to funds within 24 hours. However, these loans come with significant risks and costs, including high interest rates and fees that can trap borrowers in a cycle of debt.

Why are Payday Loans Prohibited in Massachusetts?

Massachusetts has taken a firm stance against payday lending, citing concern over the high costs and risks associated with these loans. In fact, the state has some of the strictest regulations on lenders in the country, including capping interest rates at 23% and requiring lenders to be licensed and registered with the state.

The high cost of payday loans can be a major concern for borrowers, with interest rates averaging around 400% or more. In addition to the high rates, there are often significant fees associated with payday loans, including origination fees, late fees, and more. These costs can quickly add up, making it difficult for borrowers to pay off their loans and ultimately leading to a cycle of debt.

What are the Alternatives to Payday Loans in Wendell Depot?

If you are facing unexpected expenses and need cash quickly, there are alternatives to payday loans that you may want to consider. Some options include:

  • Credit Card Cash Advance: If you have a credit card, you may be able to take out a cash advance. Keep in mind, however, that this often comes with high fees and interest rates, so you should only consider it as a last resort.
  • Personal Loans: Personal loans are another option for individuals in need of cash. While these loans often come with a higher interest rate than traditional bank loans, they are still typically less expensive than payday loans.
  • Local Assistance Programs: Depending on your situation, you may be eligible for assistance programs in your area. This could include government assistance or local programs that provide assistance with food, housing, and other necessities.

Interesting Facts and Statistics about Payday Loans in Massachusetts

  • As of 2018, there were no licensed payday lenders operating in Massachusetts.
  • In 2016, the Massachusetts Attorney General’s office filed a lawsuit against a Delaware-based lender for violating state lending laws and charging excessive interest rates.
  • According to a 2016 study by the Massachusetts Division of Banks, the average payday loan in Massachusetts was $366, with an effective APR of 376%.

Apply Now

While payday loans are prohibited in Massachusetts, TheGuaranteedLoans offers other loan options to help you access the funds you need. We are a connector service that connects borrowers with a network of potential lenders, making it easy to find loan options that meet your needs. To apply, simply fill out our online application and we will work to connect you with a lender who can help. Please note that we are not a direct lender and do not make decisions about loan approvals or terms.

At TheGuaranteedLoans, we understand that unexpected expenses can be stressful and overwhelming. That’s why we are committed to helping our customers access the funds they need quickly and easily. Our network of lenders offer a variety of loan options, including personal loans, installment loans, and more. To learn more, visit our website and fill out our online application today.

F.A.Q.

Are payday loans legal in Wendell Depot, Massachusetts?

No, payday loans are prohibited in Wendell Depot, Massachusetts.

What are the alternatives to payday loans in Wendell Depot, Massachusetts?

Some options for short-term financial assistance in Wendell Depot, Massachusetts include credit union loans, personal loans from banks or online lenders, or borrowing from friends or family.

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.

Accessibility: This platform's services may not be available to residents of certain states due to local regulations. To determine whether you can access this service, please review your area's legal guidelines. Additionally, be advised that the terms and conditions of this website can be altered at any time without prior notice.

Important Notice: TheGuaranteedloans.com is not a loan company and for that reason cannot determine whether or not you're eventually permitted for any advance, neither can we establish the sum of loan you might be provided. Every lending options, purchasing services and products are offered without having guarantee. When searching for deals, remember to evaluate the budgetary institution’s Terms and Conditions.

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