Lowell 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 Lowell

Eligibility Criteria for Personal Loans

  • Valid identification document (passport, driver's license, or national ID).
  • Proof of residence (utility bill or lease agreement).
  • Recent bank statement or payslip for income verification.
  • Active bank account for fund deposit and repayment.
  • Completed application form with accurate personal details.
  • Contact information for communication (email and phone number).
  • Compliance with NGO's financial assistance guidelines.
  • Consent to a potential credit check, if applicable.

Trusted Personal Loan Lenders in Lowell, MA

Discover reliable personal loan lenders dedicated to empowering your financial journey with transparency and trust, ensuring you receive the best service and support tailored to your needs.

Lender
User Ratings
Address
Phone
Category
Same Day Payday Loans
User Raiting:
5.00
Address: 581 MA-38, Lowell, MA 01852
Phone: +1 (978) 396-9047
Category: Loan agency
Joe Galvin
User Raiting:
5.00
Address: 81 Farmland Rd Ste 1, Lowell, MA 01850
Phone: +1 (617) 909-7967
Category: Financial institution
Online Payday Loans
User Raiting:
5.00
Address: 370 Chelmsford St, Lowell, MA 01851
Phone: +1 (351) 999-8528
Category: Loan agency
Lowell Five Bank
User Raiting:
5.00
Address: 1095 Westford St, Lowell, MA 01851
Phone: +1 (978) 452-1300
Category: Financial institution
Patrick Cyr at Guaranteed Rate (NMLS #630060)
User Raiting:
4.90
Address: 200 Central St Unit 1, Lowell, MA 01852
Phone: +1 (508) 589-6252
Category: Financial institution
Mills42 Federal Credit Union
User Raiting:
4.90
Address: 83 Merrimack St, Lowell, MA 01852
Phone: +1 (978) 328-5100
Category: Financial institution
Speedy Check Inc
User Raiting:
4.80
Address: 220 Appleton St, Lowell, MA 01852
Phone: +1 (978) 459-3187
Category: Check cash
Enterprise Bank
User Raiting:
4.70
Address: 430 Gorham St, Lowell, MA 01852
Phone: +1 (978) 596-2270
Category: Bank
Auto Credit Super Store
User Raiting:
4.00
Address: 1625 Middlesex St # 2, Lowell, MA 01851
Phone: +1 (978) 513-8203
Category: Financial institution
Jeanne D'Arc Credit Union Corporate Headquarters
User Raiting:
3.70
Address: 1 Tremont Pl, Lowell, MA 01854
Phone: +1 (978) 452-5001
Category: Financial institution
Washington Savings Bank
User Raiting:
3.60
Address: 30 Middlesex St, Lowell, MA 01852
Phone: +1 (978) 458-7999
Category: Bank
VALDIR BORBA HOME LOAN
User Raiting:
3.60
Address: 799 Gorham St, Lowell, MA 01852
Phone: +1 (617) 860-9856
Category: Financial institution
TD Bank
User Raiting:
3.30
Address: 32 Mammoth Rd, Lowell, MA 01854
Phone: +1 (978) 459-5830
Category: Bank
Jeanne D'Arc Credit Union
User Raiting:
3.20
Address: 581 Merrimack St, Lowell, MA 01854
Phone: +1 (978) 452-5001
Category: Credit union
Santander Bank Branch
User Raiting:
3.20
Address: One Wood St, Lowell, MA 01851
Phone: +1 (978) 446-3550
Category: Bank
PMI Sterling&Kole
User Raiting:
3.00
Address: 9 Central St Suite 301, Lowell, MA 01852
Phone: +1 (978) 836-3044
Category: Financial institution
People's United Bank
User Raiting:
2.70
Address: 10 George St, Lowell, MA 01852
Phone: +1 (978) 259-1000
Category: Bank
Salem Five Bank
User Raiting:
2.60
Address: 691 Rogers St, Lowell, MA 01852
Phone: +1 (978) 458-6351
Category: Bank
View More

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

Explore various alternatives to payday loans, offering safer and more affordable financial solutions for urgent needs, including credit unions, personal loans, and community assistance programs.

Quick Installment Loans

Quick Installment loans are borrowed funds repaid in regular, manageable increments over time, helping sustain financial stability without overwhelming lump-sum payments.

Fast Cash Loans

Fast Cash loans provide immediate, short-term financial assistance, often requiring minimal documentation and approval processes, ideal for urgent financial needs.

Instant Title Loans

Instant Title loans use your vehicle title as collateral, allowing quick access to funds while still driving your car during the loan term.

Emergency Loans Online

Emergency loans online cater to unexpected financial crises, offering quick access to funds via speedy online applications and digital approvals.

Payday Loans Online No Credit Check

Payday loans online with no credit check offer short-term solutions, delivering fast approvals despite credit history, aiding in immediate expense coverage.

Guaranteed P2P Loans

Guaranteed P2P loans involve borrowing from peers via digital platforms, ensuring flexible terms and competitive interest rates without traditional financial institutions.

Debt Consolidation Loans Instant

Debt consolidation loans allow instant merging of multiple debts into a singular manageable payment, aiding in reducing financial burden and stress.

Online Bad Credit Loans

Online bad credit loans cater to those with poor credit scores, providing accessible funding options featuring lenient credit requirements through online channels.

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 Repair and Service
Address: 72 1st Street, Lowell, MA 01850
Phone: +1 (978) 452-0019
Car Wash
Address: 159 Perry Street, Lowell, MA 01852
Phone: +1 (978) 674-8212
Chinese Restaurant
Address: 1590 Middlesex Street, Lowell, MA 01851
Phone: +1 (978) 459-1800
Club & Association
Address: 15 West 4th Street, Lowell, MA 01850
Phone: +1 (978) 452-8119
College/University
Address: 487 Pawtucket Boulevard, Lowell, MA 01854
Phone: +1 (978) 677-7871
Community Center
Address: 981 Varnum Avenue, Lowell, MA 01854
Phone: +1 (978) 275-0565
Concert Hall
Address: 50 East Merrimack Street, Lowell, MA 01852
Phone: +1 (978) 654-4678
Dentist
Address: 158 Wood Street, Lowell, MA 01851
Phone: +1 (978) 677-2114
Fitness Club & Center
Address: 203 Plain Street, Lowell, MA 01852
Phone: +1 (978) 452-1900
Government Office
Address: 133 Stedman Street, Lowell, MA 01851
Phone: +1 (978) 970-4171
Hospital
Address: 1 Hospital Drive, Lowell, MA 01852
Phone: +1 (978) 458-1411
Library
Address: 360 Gorham Street, Lowell, MA 01852
Phone: +1 (978) 452-9301
Local Post Office
Address: 20 Market Street, Lowell, MA 01852
Phone: +1 (978) 454-1222
Pharmacy
Address: 25 Merrimack Street, Lowell, MA 01852
Phone: +1 (978) 606-2537
Rent-a-Car Facility
Address: 280 Chelmsford Street, Lowell, MA 01851
Phone: +1 (978) 453-1631

How to Get to Lowell

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 Lowell

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