Loans in Suffolk County, MA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Suffolk County, MA.
The median household in Suffolk County earns $95,631 a year, 8% below the Massachusetts median of $103,960. About 16% of residents live below the federal poverty line, and 63.5% of households rent their home.
What you need for a personal loan in Suffolk County
Lenders that serve Suffolk 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 Suffolk County
What Suffolk County borrowers use it for
handle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Suffolk 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 Suffolk County
Banks with branches in Suffolk County
202 FDIC-insured bank branches from 36 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Citizens Bank, National Association | 37 | 28 State St, Boston 02109 |
| Bank of America, National Association | 26 | 100 Federal St, Boston 02110 |
| Rockland Trust Company | 20 | 1196 River St, Boston 02136 |
| JPMorgan Chase Bank, National Association | 20 | 425 Washington St, Boston 02108 |
| Santander Bank, N.A. | 19 | 75 State St, Boston 02109 |
| TD Bank, National Association | 14 | 457 Broadway, Chelsea 02150 |
| Eastern Bank | 14 | 125 High St, Boston 02110 |
| Beacon Bank and Trust | 7 | 131 Clarendon St, Boston 02116 |
| Manufacturers and Traders Trust Company | 7 | 310 Broadway, Revere 02151 |
| The Cooperative Bank | 4 | 201 Main St, Charlestown 02129 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Suffolk County
48 credit-union locations from 29 credit unions.
| Credit union | Location |
|---|---|
| American Airlines | Logan International Airport, East Boston 02128 |
| Metro | 200 Revere Beach Pkwy, Chelsea 02150 |
| Brightbridge | 1205 Adams St, Dorchester 02124 |
| Hanscom | 150 S Huntington Ave, Jamaica Plain 02130 |
| Webster First | 15 Woodside Ave, Winthrop 02152 |
| Harvard | 55 Fruit St, Boston 02114 |
| City Of Boston | 455 W Broadway, South Boston 02127 |
| Sag-Aftra | 745 Atlantic Ave, Boston 02111 |
| St. Jean'S | 171 Vfw Pkwy, Revere 02151 |
| Mass Bay | 147 W 4Th St, South Boston 02127 |
| Members Plus | 494 Gallivan Blvd, Dorchester 02124 |
| Tremont | 10 Corinth St, Roslindale 02131 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Suffolk County
All Massachusetts counties and cities
Frequently asked questions
Are payday loans legal in Suffolk County?
Suffolk County follows Massachusetts law. Payday loans are effectively illegal in Massachusetts.
Are title loans legal in Suffolk County?
High-cost car title loans are not allowed in Massachusetts.
Where can I get a small loan in Suffolk County?
Options include 202 bank and 48 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 Suffolk County?
Fill out our short online form from anywhere in Suffolk 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 Suffolk 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. Suffolk County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Suffolk County?
Yes. When an unexpected bill comes up, Suffolk 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.
Where can I get a loan in Suffolk County, MA?
You can apply at banks, credit unions and lenders in Suffolk 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 Suffolk County with bad credit?
Yes, many lenders in our network work with Suffolk 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.