Personal loans in Randolph Town, MA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Randolph Town, MA.
The median household in Randolph Town earns $109,573 a year, 5% above the Massachusetts median of $103,960. About 8% of residents live below the federal poverty line, and 28.7% of households rent their home.
Massachusetts law that applies in Randolph Town
| 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 Randolph Town
Lenders that serve Randolph Town 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 Randolph Town
What Randolph Town borrowers use it for
pay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Randolph Town
- 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 Norfolk County
224 FDIC-insured bank branches from 37 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Citizens Bank, National Association | 25 | 40 Adams St, Milton 02186 |
| Rockland Trust Company | 19 | 1 Mechanic St, Foxboro 02035 |
| Santander Bank, N.A. | 19 | 965 Great Plain Ave, Needham 02492 |
| Bank of America, National Association | 19 | 1400 Hancock St, Quincy 02169 |
| Eastern Bank | 17 | 34 Chapman St, Quincy 02170 |
| Dedham Institution for Savings | 13 | 55 Elm St, Dedham 02026 |
| JPMorgan Chase Bank, National Association | 13 | 284 Washington St, Wellesley 02481 |
| TD Bank, National Association | 12 | 54 Central St, Foxborough 02035 |
| TruNorth Bank | 12 | 129 N Main St, Randolph 02368 |
| Beacon Bank and Trust | 9 | 1340 Beacon St, Brookline 02446 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Norfolk County
31 credit-union locations from 22 credit unions.
| Credit union | Location |
|---|---|
| First Technology | 500 W Central St, Franklin 02038 |
| Rockland | 564 Main St, Walpole 02081 |
| Metro | 922 Commonwealth Ave, Boston 02215 |
| Brightbridge | 150 Rustcraft Rd, Dedham 02026 |
| Sharon & Crescent United | 30 Pond St, Sharon 02067 |
| Quincy | 100 Quincy Ave, Quincy 02169 |
| City Of Boston | 305 Turnpike St, Canton 02021 |
| Ukrainian | 282 Providence Hwy, Westwood 02090 |
| Direct | 50 Cabot St, Needham 02494 |
| Liberty Bay | 300 Granite St Fl 3, Braintree 02184 |
| Mass Bay | 1250 Hancock St, Quincy 02169 |
| Members Plus | 111 Lenox St, Norwood 02062 |
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 Randolph Town?
Possibly. Lenders in our network consider applicants with fair and bad credit across Massachusetts, including Randolph Town. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Randolph Town, MA?
23% APR plus $20 fee on loans up to $6,000; 20% usury above.
How fast can I get a personal loan in Randolph Town?
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 can I get an emergency loan in Randolph Town?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Randolph Town borrowers who qualify.
Where can I find a loan for bad credit in Randolph Town?
You can apply at local banks and lenders in Randolph Town, 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.
How do installment loans work in Randolph Town?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Randolph Town residents can see installment loan offers with our free 3-minute form.
Can I get a personal loan in Randolph Town 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. Randolph Town residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Do I need to visit a store in Randolph Town?
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.