Massachusetts Cash Advance and Payday Loans

What are the minimum requirements to apply for a payday loan?

  • 18 years of age or older
  • U.S. Citizenship Valid checking or savings account with direct deposit
  • Regular income of at least $1,000 per month
  • Not a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard (or a dependent thereof), serving on active duty under a call or order that does not specify a period of 30 days or fewer

Are you looking for an online payday loan in Massachusetts? Submit the easy form and if approved we can connect to dozens of lenders that may be able to lend you up to $1,000!

 

 

The basics of how payday loans work.

If you have found yourself in a financially tough spot, it can be overwhelming trying to figure out how you are going to manage your way through it. Luckily, payday loans serve as a wonderful guide to help navigate individuals through an economic crisis. They can prove to be especially helpful to those with bankruptcy on their credit score or to those with bad credit or none at all. Payday loan lenders do not require a credit check in order to dictate approval. Rather, the borrower’s pay check serves as collateral to ensure the payday loan will be repaid upon the upcoming pay date; thus the name ‘payday loan.’

The information below provides a quick overview of commonly asked questions people often have regarding payday loans.

What is a payday loan?
A payday loan is a loan offered on a short-term basis, typically set to be repaid upon the borrower’s next pay date.

How long does it take to get a payday loan in Massachusetts?
Payday loans are designed to be quick in all aspects. In most cases, the application takes only a matter of minutes to complete. The approval process and transfer of your loan is done in just a few short hours; most people are able to access their payday loan by the following business day.

How much money can I borrow?
The amount of money you may borrow is dependent on a number of factors. In any case, it is advised that you figure how much you need beforehand to avoid taking out more than you need. This will save you from having to pay interest on money that you don’t need to borrow.

When does my payday loan need to be repaid?
Payday loans are usually set to be repaid upon the borrower receiving their next paycheck, thus the name ‘payday loan.’ However, if more time is needed to gather the money to repay the loan, lenders do allow an extension or rollover of the payday loan. The laws regarding rollovers vary by state so make sure to check your local laws beforehand.

I have been rejected by other lenders in Massachusetts, why will I be approved for a payday loan?
Many people who apply for credit cards or large loans from banks or other lending institutions find it harder to be approved for a loan. In most instances, their credit score plays a major influence when factoring in a customer’s credit worthiness. However, payday loans do not require a credit check so many people who have struggles securing a loan elsewhere often find approval with payday loans. Due to the short turnaround of payday loans, the borrower’s paycheck serves as collateral on the loan so no credit check needs to be performed.

We cover following cities in Massachusetts:

Abington
Acton
Acushnet
Adams
Agawam Town
Amesbury Town
Amherst
Andover
Arlington
Ashburnham
Ashby
Ashfield
Ashland
Athol
Attleboro
Auburn
Avon
Ayer
Barnstable Town
Barre
Becket
Bedford
Belchertown
Bellingham
Belmont
Berkley
Berlin
Bernardston
Beverly
Billerica
Blackstone
Blandford
Bolton
Boston
Bourne
Boxborough
Boxford
Boylston
Braintree Town
Brewster
Bridgewater
Brimfield
Brockton
Brookfield
Brookline
Buckland
Burlington
Cambridge
Canton
Carlisle
Carver
Charlemont
Charlton
Chatham
Chelmsford
Chelsea
Cheshire
Chester
Chicopee
Clinton
Cohasset
Colrain
Concord
Conway
Dalton
Danvers
Dartmouth
Dedham
Deerfield
Dennis
Dighton
Douglas
Dover
Dracut
Dudley
Dunstable
Duxbury
East Bridgewater
East Bridgewater
East Brookfield
Eastham
Easthampton Town
East Longmeadow
Easton
Edgartown
Egremont
Erving
Essex
Everett
Fairhaven
Fall River
Falmouth
Fitchburg
Foxborough
Framingham
Franklin
Freetown
Gardner
Georgetown
Gill
Gloucester
Grafton
Granby
Granville
Great Barrington
Greenfield
Groton
Groveland
Hadley
Halifax
Hamilton
Hampden
Hanover
Hanson
Hardwick
Harvard
Harwich
Hatfield
Haverhill
Hingham
Hinsdale
Holbrook
Holden
Holliston
Holyoke
Hopedale
Hopkinton
Hubbardston
Hudson
Hull
Huntington
Ipswich
Kingston
Lakeville
Lancaster
Lanesborough
Lawrence
Lee
Leicester
Lenox
Leominster
Leverett
Lexington
Lincoln
Littleton
Longmeadow
Lowell
Ludlow
Lunenburg
Lynn
Lynnfield
Malden
Mansfield
Marblehead
Marion
Marlborough
Marshfield
Mashpee
Mattapoisett
Maynard
Medfield
Medford
Medway
Melrose
Mendon
Merrimac
Methuen
Middleborough
Middleton
Milford
Millbury
Millis
Milton
Monson
Montague
Nahant
Nantucket
Natick
Needham
New Bedford
New Braintree
Newbury
Newburyport
Newton
Norfolk
North Adams
Northampton
North Andover
North Attleborough
Northborough
Northbridge
North Brookfield
Northfield
North Reading
Norton
Norwell
Norwood
Oak Bluffs
Oakham
Orange
Orleans
Otis
Oxford
Palmer Town
Paxton
Peabody
Pembroke
Pepperell
Petersham
Phillipston
Pittsfield
Plainville
Plymouth
Plympton
Provincetown
Quincy
Randolph
Raynham
Reading
Rehoboth
Revere
Rochester
Rockland
Rockport
Rowley
Russell
Rutland
Salem
Salisbury
Sandwich
Saugus
Scituate
Seekonk
Sharon
Sharon
Sheffield
Shelburne
Sherborn
Shirley
Shrewsbury
Shutesbury
Somerset
Somerville
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Southborough
Southbridge Town
South Hadley
Southwick
Spencer
Springfield
Sterling
Stockbridge
Stoneham
Stoughton
Stow
Sturbridge
Sudbury
Sunderland
Sutton
Swampscott
Swansea
Taunton
Templeton
Tewksbury
Tisbury
Topsfield
Townsend
Truro
Tyngsborough
Upton
Uxbridge
Wakefield
Wales
Walpole
Waltham
Ware
Wareham
Warren
Watertown
Wayland
Webster
Wellesley
Wellfleet
Wenham
Westborough
West Boylston
West Bridgewater
West Brookfield
Westfield
Westford
Westhampton
Westminster
West Newbury
Weston
Westport
West Springfield Town
West Tisbury
Westwood
Weymouth
Whately
Whitman
Wilbraham
Williamsburg
Williamstown
Wilmington
Winchendon
Winchester
Winthrop Town
Woburn
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