Massachusetts Lenders

Bad Credit, Personal Loans in Massachusetts, Top Online Lenders for 2024

Start Now – Quick approval unsecured loans for Massachusetts borrowers. Our network of lenders helps borrowers with good or bad credit with personal loan financing. Loans from $1000 to $35,000 from top web-based lenders, easy online application. Review more details and find the perfect signature loan for your goals and financial situation. Learn more about Massachusetts lending options and review our website for specific loan approval details.


Massachusetts personal loans online

As one of the premier lenders in Massachusetts, our team of banks, credit unions, direct and tribal lenders offer borrowers a wide variety of options for online and no collateral-based loans. The popularity of signature loans is based on the concept of a quick and convenient loan, without the hassles of dealing with big banks and tons of paperwork. Not every consumer needs a quick or short term loan, sometimes the best option is to go visit a credit union and explore the benefits of a longer-term personal loan, that they offer, which probably will offer lower rates and fees.

Use a personal loan to plan your dream vacation to Massachusetts

Massachusetts has great destinations to visit for people who live in the state and those who are planning to visit the area. If you’re visiting Fell’s Point, Catoctin Mountain Park, or the Deep Creek Lake as a part of your vacation, we can help connect you with a lender to obtain a quick loan in a matter of minutes.

Innovative Finance is a great platform for students who need money for school expenses

Our loan platform is easy to use for students to research and compare personal loans online. Whether your a student at University of Massachusetts Boston, Wellesley College or Urban College of Boston you can research and compare loan options for free using our loan platform. We strongly encourage students to establish a budget and take caution as to not borrow more money than they can afford to pay back.

Review options from lenders offering installment loans and unsecured financing in Massachusetts

Whether you need to borrow money for an unexpected auto repair, medical expense, family emergency, or traveling, our lenders work with millions of customers like you every day who are in need of additional cash and finances and are trying to get a quick loan.

  • Find Personal Loan Lenders and Learn how Peer to Peer loans work
  • Installment Loans For Borrowers With Average Credit
  • Unsecured and Non Collateral Loans For Borrowers
  • Unsecured or Signature Based Loans From Lenders In Massachusetts

bad credit loans lenders in MA

More Personal Loan Options From Local Credit Unions and Banks

Saint Michael’s Credit Union
60 Garside St
Fall River, MA 02720
(774) 357-0151

Premier Source Credit Union
232 N Main St Ste 1
East Longmeadow, MA 01028
(413) 525-2002

Hanscom Federal Credit Union
150 S Huntington Ave
Jamaica Plain, MA 02130
(857) 364-5820

Hanscom Federal Credit Union
1400 Vfw Pkwy
West Roxbury, MA 02132
(857) 203-5774

Pioneer Valley Credit Union
246 Brookdale Dr
Springfield, MA 01104
(413) 733-2800

US Alliance Federal Credit Union
71 Station Lndg
Medford, MA 02155
(781) 219-0020

Norfolk Community Credit Union
194 Main St
Norfolk, MA 02056
(508) 528-3360

GFA Federal Credit Union
229 Parker St
Gardner, MA 01440
(978) 632-2542

Hanscom Federal Credit Union
1610 Eglin St
Hanscom MA 01731
800) 656-4328

Fall River Municipal Credit Union
333 Milliken Blvd
Fall River, MA 02721
(508) 678-9028

For consumers and borrowers who have less than ideal credit, then going to a traditional lender may not help them get the cash they need for their finance emergencies. When an unexpected medical emergency arises, your car breaks down, or your furnace stops working, you may need an online short term loan to get the quick cash to cover these expenses. If you are unable to use a credit card or borrow money from another source, then sometimes an online short term loan is the only option. Whether the loan you need is a quick cash advance, payday loan, installment loan or personal loan, including peer to peer offers then we have the right options for your finance needs. Our nationwide network of top lenders helps consumers who need to borrow between $500 and $35,000 online.

Massachusetts unsecured loans for customers with Excellent, Good, Poor and Bad Credit Histories

Whatever your needs for finance are, count on the team of editors from the Massachusetts signature loan network are committed to helping to bring you the latest offers and options ranging from installment loans at local banks to new platforms that offer social lending, we will be covering a variety of short term lending topics and sometimes will even try to discover credit card and other relevant finance topics of interest for your benefit. Finding the right loan can mean the difference in making your life less stress-free. Borrowers who have time and great credit are encouraged to work with banks or credit unions when possible, for the lowest rates and fees. Borrowers with average and below credit, who have limited options should take advantage of credit counseling, financial advisors and other resources to help make sure they are making the best finance decisions for their personal situation and getting the right loan for their specific borrowing needs.

Online Signature Loans Massachusetts

Learn more by connecting with a local lender in these Massachusetts cities


Agawam, Arlington, Attleboro, Barnstable, Beverly, Boston, Braintree, Brockton, Brookline, Cambridge, Chelsea,
Chicopee, Everett, Fall River, Fitchburg, Framingham, Franklin, Gloucester, Haverhill, Holyoke, Lawrence,
Leominster, Lexington, Lowell, Lynn, Malden, Marlborough, Medford, Methuen, Needham, New Bedford, Newton,
Northampton, Norwood, Peabody, Pittsfield, Quincy, Randolph, Revere, Salem, Somerville, Springfield,
Taunton, Waltham, Watertown, West Springfield, Westfield, Weymouth, Woburn, Worcester

Tips For Borrowers Considering Applying For An Installment Loan

Good tips for making sure that you do not borrow more than you need. Start first with a free credit check so you can be sure that there are no surprises that are going to be unearthed in the process. Remember that you have a right to dispute anything that is on your credit report, so if you disagree with something you are fully within your rights to get your own side of the story in there. This may help you a great deal when your credit report is pulled when applying for the peer-to-peer loan, especially if it is for a larger amount and has a long repayment process.

Boston & Lowell Massachusetts Bad Credit Personal Loans

Discover more information and updates at the Fed financial website.

Innovative Finance of Massachusetts is committed to being a local resource for helping borrowers who need to borrow money online. Our platform is the perfect spot to compare signature based personal loans and borrow as little as $500 and up to $40,000 or more from the convenience of your home or office. We value your feedback and opinions, feel free to contact our editorial team anytime. The innnovativefinance.org portal is managed by a group of passionate writers who love personal finances, saving money, and helping others.

Originally published in November of 2013 and revised in May of 2024 by Don.

Comments are closed.

  • Short-Term Lending and Personal Loan FAQ Guide

    Borrowing money for the first time can be intimidating. There is a whole range of financial tools used by lenders to determine the borrower’s creditworthiness. For good reasons, however, personal loans and short-term lending are increasingly becoming popular for covering sporadic and massive expenditures.

    Here’s a guide that covers short-term lending and finding the best personal loan that suits you.

    What are business needs suitable for short-term financing?
    Different types of short-term lending are appropriate for varied business needs. Examples of needs projected to have short-term ROI include physical renovation, hiring new staff, and purchasing new equipment.
    Is APR an ideal way to make cost calculations?
    The annual percentage rate is only a single way to represent total interest cost and fees as a yearly payment which may appear higher than the overall cost of a short-term loan. When you look at other factors like the total cost of your loan and different business needs, you’ll realize that a short-term loan would better fit your business needs. At a glance, a short-term loan with a higher APR is more affordable than a long-term loan with a lower APR.
    How long does it take to receive a response?
    Depending on the loan issuer, your credit history and loan amount, the typical wait time could be 45 minutes or less. However, some lenders could take up to 3 working days to approve, it will vary from lender to lender and based on your unique lending needs.
    How does the lender determine the interest rate?
    Your personal short-term loan interest rate is determined based on your risk profile. The general rule is that the lower your credit score, the higher the risk. Lower risk means a lower interest rate, and higher risk means a correspondingly high interest rate.
    How long will I have to repay the loan?
    You’ll have to begin repaying the loan within 30 days in installments. Most lenders provide repayment terms ranging from six months to six or more years. The interest rate and monthly payment will be impacted by the period you choose to repay the loan.
    Are there other fees associated with personal loans?
    Creditors may charge sign-up, processing coupled with landing fees. In most cases, these charges are billed only once and are often outlined in the application documents. Although it’s not uncommon to have obscured payments, hidden fees would generally add up between 1 to 5% of the entire amount.
    Do I need a good credit score?
    Before you start applying for a short-term personal loan, it’s crucial to know you’ll qualify with your credit score. Most loan issuers are looking for customers with good credit scores. However, if you have a good relationship with the creditor, you may get a favorable term, particularly if your account shows a history of timely payments and honoring the terms of past loans.
    Can I get a loan with a low credit score?
    Loan issuers have different loans designated for people with varying credit scores. Lending options meant for consumers with bad credit are, without a doubt, different from those with good scores. While a higher score boosts your approval chances and gives you favorable terms, there are specific loans meant for people with low credit scores.
    How do I apply for a short-term personal loan?
    Once you’ve identified the financing option ideal for you, assemble all the documentation needed. Do not yield to the pressure to have money as soon as possible to offset the chances of making a shoddy application. It’s always good to fill the documents comprehensively, attach personal information, your resume if needed, business and personal tax returns, financial statements, and the collateral value that may be required.
    Will the lender approve my application?
    Your business and personal credit will be essential metrics in determining a lender’s decision. At its core, one of the handiest tools used by the lender is looking at your credit score. At the same time, other factors include your debt ratio, business debt, revenue trends, personal and business debt coverage.

    How do I improve my chances of getting approved?
    It sounds harsh that most loan requests are rejected. Looking at the reasons that contribute to applications’ inevitable rejection, the ideal way to improve your standing is to build your credit score. Aside from convincing the lender that you’re better suited for approval, a healthy credit score helps you qualify for favorable interest rates.

    Personal Loan Markets

    Innovative Finance helps connect consumers who are searching for help with consolidating debt, home improvement projects, credit card consolidation and more with online personal loan lenders. If you are searching for an online, unsecured loan product and live in these markets, we have lenders who may be able to assist you.
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