Personal loans in Quincy, MA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Quincy, MA.
The median household in Quincy earns $98,882 a year, about the same as the Massachusetts median of $103,960. About 11% of residents live below the federal poverty line, and 54.8% of households rent their home.
Massachusetts law that applies in Quincy
| Rate cap | Licensed small loan companies may charge no more than 23% a year on the unpaid balance (actuarial method), plus a $20 administrative fee when the loan is made. |
|---|---|
| License required | Yes. |
| Loan sizes covered | Loans of $6,000 or less (measured by the amount the borrower actually keeps after deductions). |
Full rules with statute citations: Personal Loans in Massachusetts. Cities in Massachusetts cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Quincy
Here's what to have on hand before you start your personal loan request in Quincy:
- 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 Quincy
What Quincy borrowers use it for
gifts and travel without maxing a card
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Quincy
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Quincy
27 FDIC-insured bank branches from 15 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank of America, National Association | 3 | 1400 Hancock St, Quincy 02169 |
| Citizens Bank, National Association | 3 | 1200 Hancock St, Quincy 02169 |
| Santander Bank, N.A. | 3 | 1150 Hancock St, Quincy 02169 |
| TD Bank, National Association | 3 | 516 Adams St, Quincy 02169 |
| Eastern Bank | 2 | 34 Chapman St, Quincy 02170 |
| TruNorth Bank | 2 | 15 Beach St, Quincy 02170 |
| South Shore Bank | 2 | 370 Quincy Ave, Quincy 02169 |
| Rockland Trust Company | 2 | 301 Quincy Ave, Quincy 02169 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Quincy
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Brightbridge | 213 Independence Ave, Quincy 02169 |
| Quincy | 100 Quincy Ave, Quincy 02169 |
| Mass Bay | 1250 Hancock St, Quincy 02169 |
| Taupa Lithuanian | 100 Hillside Ave, Quincy 02170 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Norfolk County ·
Frequently asked questions
Can I get a personal loan with bad credit in Quincy?
Possibly. Lenders in our network consider applicants with fair and bad credit across Massachusetts, including Quincy. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Quincy, MA?
23% APR plus $20 fee on loans up to $6,000; 20% usury above.
How fast can I get a personal loan in Quincy?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
How do I apply for a personal loan with bad credit in Quincy?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Quincy residents can see their options in about 3 minutes.
Can I get an emergency loan with bad credit in Quincy?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Quincy residents can see if they qualify in about 3 minutes.
Can I get a personal loan in Quincy with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Quincy residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Where can I find a loan for bad credit in Quincy?
You can apply at local banks and lenders in Quincy, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
Do I need to visit a store in Quincy?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.