Loans in Dukes County, MA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Dukes County, MA.
The median household in Dukes County earns $125,786 a year, 21% above the Massachusetts median of $103,960. About 4% of residents live below the federal poverty line, and 17.9% of households rent their home.
What you need for a personal loan in Dukes County
Here's what to have on hand before you start your personal loan request in Dukes 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 Dukes County
What Dukes County borrowers use it for
handle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
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 Dukes 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 Dukes County
Banks with branches in Dukes County
13 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Martha's Vineyard Bank | 7 | 78 Main St, Edgartown 02539 |
| Rockland Trust Company | 4 | 2 S Water St, Edgartown 02539 |
| Santander Bank, N.A. | 1 | 260 Edgartown Road, Edgartown 02539 |
| The Cape Cod Five Cents Savings Bank | 1 | 412 State Rd, Vineyard Haven 02568 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Dukes County. The nearest counties with credit unions:
Credit unions in Bristol County
61 credit-union locations from 21 credit unions.
| Credit union | Location |
|---|---|
| Rockland | 76 Copeland Dr, Mansfield 02048 |
| Coastal1 | 99 Chestnut St, North Attleboro 02760 |
| Brightbridge | 400 John Quincy Adams Rd, Taunton 02780 |
| Sharon & Crescent United | 100 Forbes Blvd, Mansfield 02048 |
| St. Anne'S | 286 Oliver St, Fall River 02724 |
| First Citizens' | 468 County St, New Bedford 02740 |
| Taunton | 403 Winthrop St, Taunton 02780 |
| Fall River Municipal | 333 Milliken Blvd, Fall River 02721 |
| Somerset | 740 County St, Somerset 02726 |
| Alltrust | 123 Alden Rd, Fairhaven 02719 |
| New Bedford | 1150 Purchase St, New Bedford 02740 |
| Westport | 655 State Rd, Westport 02790 |
Source: NCUA credit union branch data, June 30, 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.
All Massachusetts counties and cities
Frequently asked questions
Are payday loans legal in Dukes County?
Dukes County follows Massachusetts law. Payday loans are effectively illegal in Massachusetts.
Are title loans legal in Dukes County?
High-cost car title loans are not allowed in Massachusetts.
Where can I get a small loan in Dukes County?
Options include 13 bank 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 Dukes County?
Fill out our short online form from anywhere in Dukes 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 a loan in Dukes 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. Dukes County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Dukes County with bad credit?
Yes, many lenders in our network work with Dukes 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.
Where can I get a loan in Dukes County, MA?
You can apply at banks, credit unions and lenders in Dukes 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 an emergency loan in Dukes County?
Yes. When an unexpected bill comes up, Dukes 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.