Andover Personal Loan in 2025

Common Capital is a Help Organization dedicated to providing the public with comprehensive, accurate, and accessible online information about payday loans in Massachusetts.

Table of content
Jump to
Massachusetts Andover

Eligibility Criteria for Personal Loans

  • Valid government-issued identification.
  • Proof of current residence, such as a utility bill or lease agreement.
  • Documented proof of a stable source of income, including recent pay stubs or a letter from an employer.
  • Active bank account in the applicant's name.
  • Personal references with valid contact information.
  • Minimum age of 18 years to apply.
  • Completed application form with accurate information.
  • No outstanding loans or cash advances from the NGO.

Trusted Personal Loan Lenders in Andover, MA

Explore our curated list of trusted personal loan lenders, dedicated to providing reliable financial solutions tailored to your needs, ensuring transparency, security, and peace of mind for every borrower.

Lender
User Ratings
Address
Phone
Category
Homebridge
User Raiting:
5.00
Address: 77 Main St Suite 1, Andover, MA 01810
Phone: +1 (781) 352-4896
Category: Financial institution
Matthew Tran - Total Mortgage, NMLS #1644981
User Raiting:
5.00
Address: 75 Essex St, Andover, MA 01810
Phone: +1 (978) 973-8311
Category: Financial institution
Enterprise Bank
User Raiting:
5.00
Address: 8 High St, Andover, MA 01810
Phone: +1 (978) 596-2272
Category: Bank
Todd Glidden at Guaranteed Rate (NMLS #1748888)
User Raiting:
5.00
Address: 2 Elm Square Suite 203, Andover, MA 01810
Phone: +1 (617) 370-3549
Category: Financial institution
Mary Schruender at Guaranteed Rate (NMLS #885647)
User Raiting:
5.00
Address: 2 Elm Square Suite 203, Andover, MA 01810
Phone: +1 (978) 407-8397
Category: Financial institution
The Andover Companies
User Raiting:
4.30
Address: 95 Old River Rd, Andover, MA 01810
Phone: +1 (978) 475-3300
Category: Financial institution
Santander Bank Branch
User Raiting:
3.90
Address: 211 N Main St, Andover, MA 01810
Phone: +1 (978) 475-2796
Category: Bank
TD Bank
User Raiting:
3.10
Address: 27 Main St #61, Andover, MA 01810
Phone: +1 (978) 684-6557
Category: Bank
Auto Use
User Raiting:
3.00
Address: 45 Haverhill St, Andover, MA 01810
Phone: +1 (800) 737-9780
Category: Financial institution
First Tech Federal Credit Union
User Raiting:
3.00
Address: 3000 Minuteman Rd, Andover, MA 01810
Phone: +1 (855) 855-8805
Category: Financial institution
Autolink
User Raiting:
2.60
Address: 2 Dundee Park Dr, Andover, MA 01810
Phone: +1 (855) 208-5520
Category: Financial institution
Citizens Bank
User Raiting:
2.10
Address: 209 N Main St, Andover, MA 01810
Phone: +1 (978) 749-7380
Category: Bank
Flagstar Bank Home Loan Center
User Raiting:
1.00
Address: 2 Dundee Park Dr Bldg 2, Suite 301, Andover, MA 01810
Phone: +1 (800) 945-7700
Category: Financial institution
View More

What Are the Alternatives for Short-term Loans in Andover?

Explore various financial solutions as alternatives to payday loans, offering safer, more affordable options for managing unexpected expenses without high interest and fees.

Quick Installment Loans

Installment loans are borrowed funds paid back over time with scheduled payments. These are typically larger than payday loans, offering a quick and structured repayment process.

Fast Cash Loans

Cash loans provide immediate funds for urgent needs. They are usually short-term and easy to obtain, offering a fast solution to financial emergencies without lengthy procedures.

Instant Title Loans

Title loans require using your vehicle as collateral. Borrowers receive funds instantly, though they risk losing their vehicle if unable to repay. They're meant for quick cash flow.

Emergency Loan Online

These loans cater to urgent financial needs during unexpected crises. Often available online, emergency loans provide fast access to necessary funds without traditional hurdles.

Payday Loans Online

Online payday loans offer small, short-term financial assistance, meant to cover expenses until the next paycheck. They're typically easy to access, even with imperfect credit.

P2P Loans Guaranteed

Peer-to-peer loans allow individuals to borrow directly from others, facilitated through platforms. These loans offer guaranteed approval from fellow lenders with flexible terms.

Debt Consolidation Loans Instant

These loans combine multiple debts into one manageable payment. Instantly simplify financial burdens by reducing interest rates and organizing debt into a single monthly installment.

No Credit Check Bad Credit Loans

Designed for those with poor credit history, these loans offer funds without scrutinizing credit scores. No credit check loans can improve financial situations with responsible usage.

How to Use Personal Loans - Useful Resources

Explore how to effectively use personal loans for financial emergencies with our curated resources, offering guidance and tools for responsible borrowing and money management.

Industry
Address
Phone
Car Wash
Address: 22R Dale Street, Andover, MA 01810
Phone: +1 (781) 281-7344
Club & Association
Address: 36 Bartlet Street, Andover, MA 01810
Phone: +1 (978) 623-8273
College/University
Address: 28 Andover Street, Andover, MA 01810
Phone: +1 (978) 775-5479
Dentist
Address: 63 Park Street, Andover, MA 01810
Phone: +1 (978) 475-9141
Fitness Club & Center
Address: 14 Park Street, Andover, MA 01810
Phone: +1 (978) 475-5919
Government Office
Address: 397 Lowell Street, Andover, MA 01810
Phone: +1 (978) 475-2811
Hospital
Address: 209 N Main St, Andover, MA 01810
Phone: +1 (978) 346-5571
Library
Address: 97 Main Street, Andover, MA 01810
Phone: +1 (978) 475-2236
Lighting Shops
Address: 5 River Park Ter, Andover, MA 01810
Phone: +1 (978) 475-3375
Museum
Address: 153 Academy Road, North Andover, MA 01845
Phone: +1 (978) 686-4035
Pharmacy
Address: 349 North Main Street, Andover, MA 01810
Phone: +1 (800) 850-6608
Post Office
Address: 9 Bartlet Street, Andover, MA 01810
Phone: +1 (978) 470-2001
Rent-a-Car Facility
Address: 14 Fleming Avenue, Andover, MA 01810
Phone: +1 (617) 631-5109
Resort
Address: 4 Chapel Avenue, Andover, MA 01810
Phone: +1 (978) 475-5903
Restaurant
Address: 40 Railroad Street, Andover, MA 01810
Phone: +1 (978) 749-6664

How to Get to Andover

Complaints about Short-Term Loans in Massachusetts

Issue Type
Amount of Complaints
Charged fees or interest you didn't expect
110
Problem when making payments
57
Problem with the payoff process at the end of the loan
54
Struggling to pay your loan
52
Charged fees or interest I didn't expect
38
Getting the loan
34
Incorrect information on your report
19
Getting a line of credit
17
Problem with additional add-on products or services
15
Can't contact lender
11
The data is taken from consumer complaint database created by Consumer Financial Protection Bureau

Submit a Complaint for a Short-term lender in Andover

If you need to submit a complaint against a payday lender in Massachusetts, the primary regulatory body is the Massachusetts Division of Banks. They ensure compliance with state laws governing payday loans. You can reach them at:

  • Massachusetts Division of Banks, 1000 Washington Street, 10th Floor, Boston, MA 02118-6400
  • (617) 956-1500
Submit a Complaint

Frequently Asked Questions about Short-term Loans

Are Payday Loans Legal in Massachusetts?

No, payday loans are not legal in Massachusetts. The state has stringent laws and regulations in place that prohibit payday lending to protect consumers from predatory practices and high interest rates. These regulations are designed to safeguard the financial well-being of Massachusetts residents.

Why are Payday Loans Prohibited?

Payday loans are prohibited in Massachusetts due to concerns about the harm they can cause to borrowers. The high-cost structure of payday loans can lead individuals into cycles of debt, making it challenging to achieve financial stability. The state government has implemented these laws to prevent payday lenders from exploiting vulnerable consumers.

What Alternatives Are Available for Short-Term Financial Needs?

Massachusetts offers various alternatives for individuals facing short-term financial needs. These alternatives prioritize responsible lending practices and borrower protection. Residents can explore traditional bank loans, credit unions, personal installment loans, and assistance programs provided by nonprofit organizations and government agencies.

Can Out-of-State Lenders Offer Payday Loans?

No, out-of-state payday lenders are not allowed to offer payday loans to residents in Massachusetts. The state's regulations extend beyond its borders to ensure that borrowers are protected from predatory lending practices, regardless of the lender's location.

What Should I Do If I Have an Existing Payday Loan in Massachusetts?

If you have an existing payday loan, it's important to know that it is not legally enforceable in Massachusetts. The state's laws render such loans void. If you're facing challenges related to an existing payday loan, you can seek guidance from the Massachusetts Division of Banks. They can provide assistance and resources to help resolve any issues associated with the loan.

Where Can I Report Unlawful Payday Lending Practices?

If you encounter any unlawful payday lending practices or believe you have been targeted by predatory lenders, it's essential to report these issues. You can report them to the Massachusetts Division of Banks. Your report can contribute to investigations and efforts to curb predatory lending practices in the state, protecting other consumers from similar experiences. Your actions can make a difference in promoting fair and responsible lending practices in Massachusetts.

Massachusetts Personal Loans Near Me

Abington Acton Acushnet Adams Agawam Allston Amesbury Amherst Andover Arlington Ashburnham Ashfield Ashland Assonet Athol Attleboro Auburn Auburndale Avon Ayer Baldwinville Barnstable Barre Beach Bedford Belchertown Bellingham Belmont Berkley Berlin Beverly Billerica Blackstone Bolton Boston Bourne Boxborough Boxford Boylston Bradford Braintree Brant Rock Brewster Bridgewater Brighton Brimfield Brockton Brookfield Brookline Burlington Buzzards Bay Cambridge Canton Carlisle Carver Cataumet Centerville Charlestown Charlton Chatham Chelmsford Chelsea Chestnut Hill Chicopee Chilmark Clinton Cohasset Concord Dalton Danvers Dartmouth Dedham Dennis Dennis Port Devens Dighton Dorchester Dorchester Center Douglas Dracut Dudley Duxbury East Bridgewater East Brookfield East Dennis East Falmouth East Freetown East Longmeadow East Otis East Sandwich East Walpole East Wareham Easthampton Easton Edgartown Essex Everett Fairhaven Fall River Falmouth Feeding Hills Fiskdale Fitchburg Florence Foxborough Framingham Franklin Gardner Georgetown Gloucester Grafton Granby Great Barrington Greenfield Groton Groveland Hadley Halifax Hamilton Hampden Hanover Hanscom Afb Hanson Harwich Harwich Port Haverhill Hills Hingham Holbrook Holden Holliston Holyoke Hopedale Hopkinton Hubbardston Hudson Huntington Hyannis Hyde Park Indian Orchard Ipswich Jamaica Plain Kingston Lakeville Lancaster Lanesborough Lawrence Lee Leeds Leicester Lenox Leominster Lexington Lincoln Littleton Longmeadow Lowell Ludlow Lunenburg Lynn Lynnfield Malden Manchester by the sea Mansfield Marblehead Marion Marlborough Marshfield Marstons Mills Mashpee Mattapan Mattapoisett Maynard Medfield Medford Medway Melrose Mendon Merrimac Methuen Middleborough Middleton Milford Millbury Millis Milton Mission Hill Monson Montague Nahant Nantucket Natick Needham Needham Heights New Bedford New Braintree Newbury Newburyport Newton Newton Centre Newton Highlands Newton Lower Falls Newton Upper Falls Newtonville Nonantum Norfolk North Adams North Andover North Attleborough North Billerica North Brookfield North Chatham North Chelmsford North Dartmouth North Dighton North Eastham North Easton North Falmouth North Grafton North Reading North Truro North Waltham North Weymouth Northampton Northborough Northbridge Norton Norwell Norwood Oak Bluffs Orange Orleans Osterville Otis Oxford Palmer Paxton Peabody Pembroke Pepperell Pittsfield Plainville Plymouth Plympton Pocasset Princeton Provincetown Quincy Randolph Raynham Reading Rehoboth Revere Richmond River Rockland Rockport Roslindale Rowley Roxbury Russell Rutland Sagamore Beach Salem Salisbury Sandwich Saugus Scituate Seekonk Sharon Shelburne Falls Sherborn Shirley Shrewsbury Somerset Somerville South Dartmouth South Deerfield South Dennis South Easton South Egremont South Grafton South Hadley South Hamilton South Yarmouth Southampton Southborough Southbridge Southwick Spencer Springfield Sterling Stoneham Stoughton Stow Sturbridge Sudbury Sunderland Sutton Swampscott Swansea Taunton Teaticket Tewksbury Three Rivers Topsfield Townsend Truro Turners Falls Tyngsborough Upton Uxbridge Vineyard Haven Waban Wakefield Walpole Waltham Ware Wareham Watertown Wayland Webster Wellesley Wellesley Hills Wellfleet Wenham West Barnstable West Boylston West Bridgewater West Brookfield West Chatham West Dennis West Newbury West Newton West Roxbury West Springfield West Stockbridge West Tisbury West Wareham West Yarmouth Westborough Westfield Westford Westminster Weston Westport Westwood Weymouth Whately Whitinsville Whitman Wilbraham Williamsburg Williamstown Wilmington Winchendon Winchester Winthrop Woburn Woods Hole Worcester Wrentham Yarmouth Yarmouth Port