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Massachusetts Payday Loans

Governing law in state:
Massachusetts prohibits cash advance loans.  Only payday loan companies licensed under the state's small loan act can issue loans.  Check cash advance lenders are required to comply with Massachusetts' criminal usury or small loan laws.  The fees and interest rates permitted under the small loan law are significantly lower than what the cash advance industry typically charges.  In Massachusetts, the annual small loan rate is capped at 23%, and administrative fees are limited to a $20 upon issuance of a loan. Since check cash advance lenders who provide online services are generally not licensed by the Division of Banks, they are usually exempt from regulation.

Maximum loan amount:
There are no fixed loan amounts in Massachusetts; rather the amount borrowed depends on the consumer's monthly income.

Loan terms:
Under Massachusetts law, a cash advance creditor is only permitted to fix payment terms at 14 days.

Extensions:
Payday loan extensions or rollovers are not specified under Massachusetts law.

Fees and charges:
A payday advance business cannot charge more than 15% of the check's value. Fees for defaulted checks cannot exceed $25.

Fee schedules and APR:
This is not specified by Massachusetts law.
 
Payday Lender Directory
Business: Martin H Yogel Associates
Address: 3213 Washington Street
City: Jamaica Plain
State: MA
Zip: 02130
Phone: 617-522-0799

Business: Money Market Inc
Address: 245 Main Street
City: Brockton
State: MA
Zip: 02301
Phone: 508-427-4343

Business: Instant Checks Cashed
Address: 380 Waverly Street
City: Framingham
State: MA
Zip: 01702
Phone: 508-872-8784

Business: Atlantic Financial Group Corp
Address: 320 Tremont St
City: Braintree
State: MA
Zip: 02184
Phone: 781-843-3587

Business: All Checks Cashed
Address: 62 Market Square
City: Lynn
State: MA
Zip: 01905
Phone: 781-592-3500

Click here for more Massachusetts payday lenders and cash advance companies.
 
 
Debt Management Directory
Business: Springfield Mortgage Assoc
Address: 135 State St
City: Springfield
State: MA
Zip: 01103
Phone: 413-781-7277

Business: Td Banknorth Na
Address: 503 Newton St
City: South Hadley
State: MA
Zip: 01075
Phone: 413-748-8580

Business: Td Banknorth Na
Address: 847 Williams St
City: Longmeadow
State: MA
Zip: 01106
Phone: 413-748-8569

Business: Meadowbrook Financial Services
Address: 116 Meadowbrook Rd
City: East Longmeadow
State: MA
Zip: 01028
Phone: 413-525-0603

Business: New England Merchants Corp
Address: 430 Main St Ste 109
City: Agawam
State: MA
Zip: 01001
Phone: 413-786-3500

Click here for more Massachusetts credit companies and debt management services.
 

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