Loans in Essex County, MA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Essex County, MA.
The median household in Essex County earns $101,883 a year, about the same as the Massachusetts median of $103,960. About 9% of residents live below the federal poverty line, and 36.5% of households rent their home.
What you need for a personal loan in Essex County
Lenders that serve Essex County typically ask for the following:
- 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 Essex County
What Essex County borrowers use it for
gifts and travel without maxing a card
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Essex 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 Essex County
Banks with branches in Essex County
220 FDIC-insured bank branches from 35 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Eastern Bank | 20 | 466 Lincoln Ave, Saugus 01906 |
| Salem Five Cents Savings Bank | 20 | 71 Washington St, Salem 01970 |
| TD Bank, National Association | 19 | 27 Main St # 61, Andover 01810 |
| Santander Bank, N.A. | 15 | 102 Rogers St, Gloucester 01930 |
| Manufacturers and Traders Trust Company | 15 | 240 Cabot St, Beverly 01915 |
| TruNorth Bank | 13 | 1 W Main St, Merrimac 01860 |
| Institution for Savings in Newburyport and Its Vicinity | 13 | 93 State St, Newburyport 01950 |
| Bank of America, National Association | 11 | 23 Main St, Andover 01810 |
| Citizens Bank, National Association | 11 | 147 Main St, Gloucester 01930 |
| Rockland Trust Company | 10 | 320 Central St, Saugus 01906 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Essex County
59 credit-union locations from 26 credit unions.
| Credit union | Location |
|---|---|
| First Technology | 209 N Main St, Andover 01810 |
| Metro | 475 Western Ave, Lynn 01904 |
| Brightbridge | 1 General St, Lawrence 01841 |
| Jeanne D'Arc | 380 Merrimack St Ste 1A, Methuen 01844 |
| Hanscom | 50 Dodge St, Beverly 01915 |
| Webster First | 509 Main St, Saugus 01906 |
| Align | 110 Newbury St, Danvers 01923 |
| St. Jean'S | 155 State St, Newburyport 01950 |
| Luso-American | 37 Tremont St, Peabody 01960 |
| Nesc | 248 Pleasant St, Methuen 01844 |
| Energy | 12 Chestnut St, Peabody 01960 |
| River Works | 947 Western Ave, Lynn 01905 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Essex County
All Massachusetts counties and cities
Frequently asked questions
Are payday loans legal in Essex County?
Essex County follows Massachusetts law. Payday loans are effectively illegal in Massachusetts.
Are title loans legal in Essex County?
High-cost car title loans are not allowed in Massachusetts.
Where can I get a small loan in Essex County?
Options include 220 bank and 59 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 Essex County?
Fill out our short online form from anywhere in Essex 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 apply for a loan online in Essex County?
Yes. You don't need to visit a branch or storefront anywhere in Essex 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 Essex County with bad credit?
Yes, many lenders in our network work with Essex 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 a loan in Essex 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. Essex County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Essex County, MA?
You can apply at banks, credit unions and lenders in Essex 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.