Loans in Nantucket County, MA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Nantucket County, MA.
The median household in Nantucket County earns $139,688 a year, 34% above the Massachusetts median of $103,960. About 3% of residents live below the federal poverty line, and 28.2% of households rent their home.
What you need for a personal loan in Nantucket County
Lenders that serve Nantucket 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 Nantucket County
What Nantucket County borrowers use it for
the fastest options online
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Nantucket 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 Nantucket County
Banks with branches in Nantucket County
7 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Rockland Trust Company | 3 | 104 Pleasant St, Nantucket 02554 |
| Bank of America, National Association | 2 | 61 Main St, Nantucket 02554 |
| The Cape Cod Five Cents Savings Bank | 1 | 112 Pleasant St, Nantucket 02554 |
| Hingham Institution for Savings | 1 | 35 Main St, Nantucket 02554 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Nantucket County. The nearest counties with credit unions:
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.
Credit unions in Plymouth County
27 credit-union locations from 12 credit unions.
| Credit union | Location |
|---|---|
| Rockland | 241 Union St, Rockland 02370 |
| Brightbridge | 1095 Washington St, Hanover 02339 |
| Hanscom | 940 Belmont St, Brockton 02301 |
| Sharon & Crescent United | 115 Commercial St, Brockton 02302 |
| First Citizens' | 2 Fairhaven Rd, Mattapoisett 02739 |
| Quincy | 751 Plain St, Marshfield 02050 |
| Liberty Bay | 10 Downer Ave, Hingham 02043 |
| Taunton | 438 W Grove St, Middleboro 02346 |
| Members Plus | 53 Commerce Way, Plymouth 02360 |
| Southcoast | 43 High St, Wareham 02571 |
| Cranberry | 2203 Cranberry Hwy, West Wareham 02576 |
| Messiah Baptist-Jubilee | 80 Legion Pkwy, Brockton 02301 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Nantucket County
All Massachusetts counties and cities
Frequently asked questions
Are payday loans legal in Nantucket County?
Nantucket County follows Massachusetts law. Payday loans are effectively illegal in Massachusetts.
Are title loans legal in Nantucket County?
High-cost car title loans are not allowed in Massachusetts.
Where can I get a small loan in Nantucket County?
Options include 7 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 Nantucket County?
Fill out our short online form from anywhere in Nantucket 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 Nantucket County, MA?
You can apply at banks, credit unions and lenders in Nantucket 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 Nantucket County?
Yes. When an unexpected bill comes up, Nantucket 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 Nantucket County with bad credit?
Yes, many lenders in our network work with Nantucket 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 apply for a loan online in Nantucket County?
Yes. You don't need to visit a branch or storefront anywhere in Nantucket 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.