Personal loans in Taunton, MA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Taunton, MA.
The median household in Taunton earns $79,283 a year, 24% below the Massachusetts median of $103,960. About 13% of residents live below the federal poverty line, and 37.9% of households rent their home.
Massachusetts law that applies in Taunton
| 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 Taunton
Here's what to have on hand before you start your personal loan request in Taunton:
- 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 Taunton
What Taunton borrowers use it for
pay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Taunton
- 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 Taunton
10 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bristol County Savings Bank | 3 | 35 Broadway, Taunton 02780 |
| Mechanics Cooperative Bank | 3 | 316 Broadway, Taunton 02780 |
| Santander Bank, N.A. | 2 | 2 Washington St, Taunton 02780 |
| Eastern Bank | 1 | 742 County St, Taunton 02780 |
| Bluestone Bank | 1 | 2109 Bay Street, Taunton 02780 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Taunton
9 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Brightbridge | 400 John Quincy Adams Rd, Taunton 02780 |
| Sharon & Crescent United | 200 Myles Standish Blvd, Taunton 02780 |
| St. Anne'S | 130 High St, Taunton 02780 |
| First Citizens' | 289 Winthrop St, Taunton 02780 |
| Taunton | 403 Winthrop St, Taunton 02780 |
| Rah | 88 Washington St, Taunton 02780 |
| Morton | 88 Washington St, Taunton 02780 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Bristol County ·
Frequently asked questions
Can I get a personal loan with bad credit in Taunton?
Possibly. Lenders in our network consider applicants with fair and bad credit across Massachusetts, including Taunton. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Taunton, MA?
23% APR plus $20 fee on loans up to $6,000; 20% usury above.
How fast can I get a personal loan in Taunton?
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.
Can I get a personal loan in Taunton 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. Taunton residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Can I get an emergency loan with bad credit in Taunton?
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. Taunton residents can see if they qualify in about 3 minutes.
Where can I find a loan for bad credit in Taunton?
You can apply at local banks and lenders in Taunton, 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.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
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 Taunton borrowers who qualify.
Do I need to visit a store in Taunton?
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.