Loans in Barnstable County, MA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Barnstable County, MA.
The median household in Barnstable County earns $95,241 a year, 8% below the Massachusetts median of $103,960. About 8% of residents live below the federal poverty line, and 18.9% of households rent their home.
What you need for a personal loan in Barnstable County
Here's what to have on hand before you start your personal loan request in Barnstable County:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Barnstable County
What Barnstable County borrowers use it for
cover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Barnstable County
Payday Loans Not available
Payday loans are effectively illegal in Massachusetts.
Personal Loans
23% APR plus $20 fee on loans up to $6,000; 20% usury above.
Title Loans Not available
High-cost car title loans are not allowed in Massachusetts.
Banks and credit unions in Barnstable County
Banks with branches in Barnstable County
89 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Cape Cod Five Cents Savings Bank | 17 | 1500 Iyannough Rd, Hyannis 02601 |
| Rockland Trust Company | 12 | 765 Main St, Hyannis 02601 |
| Cape & Coast Bank | 11 | 121 Main St, Yarmouth Port 02675 |
| Citizens Bank, National Association | 11 | 10 Merchants Rd, Sandwich 02563 |
| TD Bank, National Association | 8 | 119 Route 6a, Sandwich 02563 |
| Santander Bank, N.A. | 6 | 51 Main St, Orleans 02653 |
| Seamen's Bank | 5 | 221 Commercial St, Provincetown 02657 |
| Bank of America, National Association | 5 | 1326 Main Street, South Yarmouth 02664 |
| Eastern Bank | 5 | 6 Shellback Way, Mashpee 02649 |
| Martha's Vineyard Bank | 3 | 2 Water St, Falmouth 02543 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Barnstable County
5 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Service | 199 Worcester Ct, Falmouth 02540 |
| First Citizens' | 66 Falmouth Rd, Hyannis 02601 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Barnstable County
All Massachusetts counties and cities
Frequently asked questions
Are payday loans legal in Barnstable County?
Barnstable County follows Massachusetts law. Payday loans are effectively illegal in Massachusetts.
Are title loans legal in Barnstable County?
High-cost car title loans are not allowed in Massachusetts.
Where can I get a small loan in Barnstable County?
Options include 89 bank and 5 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Barnstable County?
Fill out our short online form from anywhere in Barnstable County. We share it with lenders in our network that serve Massachusetts; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get an emergency loan in Barnstable County?
Yes. When an unexpected bill comes up, Barnstable County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I apply for a loan online in Barnstable County?
Yes. You don't need to visit a branch or storefront anywhere in Barnstable County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Massachusetts. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get a loan in Barnstable County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Barnstable County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Barnstable County with bad credit?
Yes, many lenders in our network work with Barnstable County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.