Loans in Berkshire County, MA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Berkshire County, MA.
The median household in Berkshire County earns $76,013 a year, 27% below the Massachusetts median of $103,960. About 11% of residents live below the federal poverty line, and 30.1% of households rent their home.
What you need for a personal loan in Berkshire County
Here's what to have on hand before you start your personal loan request in Berkshire 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 Berkshire County
What Berkshire County borrowers use it for
handle the unexpected the same week
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Berkshire 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 Berkshire County
Banks with branches in Berkshire County
48 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Beacon Bank and Trust | 13 | 24 North St, Pittsfield 01201 |
| Adams Community Bank | 10 | 7 Main St, Lenox 01240 |
| NBT Bank, National Association | 7 | 76 Park St, Lee 01238 |
| The Pittsfield Co-operative Bank | 5 | 70 South St, Pittsfield 01201 |
| Lee Bank | 5 | 75 Park St, Lee 01238 |
| MountainOne Bank | 3 | 795 Main St, Williamstown 01267 |
| TD Bank, National Association | 3 | 271 Main St, Great Barrington 01230 |
| Citizens Bank, National Association | 1 | 660 Merrill Rd, Pittsfield 01201 |
| TrustCo Bank | 1 | 5 Cheshire Rd, Pittsfield 01201 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Berkshire County
15 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Greylock | 150 West St, Pittsfield 01201 |
| Mycom | 101 Fenn St, Pittsfield 01201 |
| North Adams M E | 60 Roberts Dr Ste 112, North Adams 01247 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Berkshire County
All Massachusetts counties and cities
Frequently asked questions
Are payday loans legal in Berkshire County?
Berkshire County follows Massachusetts law. Payday loans are effectively illegal in Massachusetts.
Are title loans legal in Berkshire County?
High-cost car title loans are not allowed in Massachusetts.
Where can I get a small loan in Berkshire County?
Options include 48 bank and 15 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 Berkshire County?
Fill out our short online form from anywhere in Berkshire 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.
Where can I get a loan in Berkshire County, MA?
You can apply at banks, credit unions and lenders in Berkshire County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Massachusetts residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Berkshire County with bad credit?
Yes, many lenders in our network work with Berkshire 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.
Can I get an emergency loan in Berkshire County?
Yes. When an unexpected bill comes up, Berkshire 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 get a loan in Berkshire 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. Berkshire County residents can start any time, and it takes about 3 minutes.