Personal loans in Malden, MA

Malden is a mid-sized city in Massachusetts, with an estimated 65,133 residents, and every licensed lender here follows the same state rulebook. The 2020 count to the 2023 estimate shows about 1.7% decline in Malden. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Malden loan. For a bigger market, look to Somerville, MA about 3 miles away.

Where Malden stands

Read the local figures below as context; read the sourced Massachusetts table as the rulebook a lender here must follow.

• Population: the Census counts 65,133 residents in Malden (Vintage 2023 subcounty estimate), the 16th-largest figure among Massachusetts's 54 places.
• Population trend: About 1.7% below the 2020 Census base.
• People gained or lost: about 1,138 fewer since the 2020 base.
• Size percentile: bigger than about 70% of the places in Massachusetts, with 65,133 residents in Malden.
• Land and density: 5.0 square miles of land carry roughly 12,910 residents per square mile.
• Land area: Malden covers 5.0 square miles, the 49th-largest area among Massachusetts's 54 places.
• Water: Malden holds about 0.04 square miles, the 54th-largest water area in Massachusetts.
• Share of state population: Malden's 65,133 residents are about 1.8% of Massachusetts.
• National rank: Malden is the 584th most populous of the 19,457 Census places covered here.
• Growth rank: Malden ranks 48th among Massachusetts's 54 places for the 2020-to-2023 change.
• State comparison: Massachusetts's places average -0.7% for 2020-to-2023, against Malden's 1.7%.
• Density rank: Malden places 6th among Massachusetts's places by people per square mile.
• Density in context: Malden's 12,910 people per square mile sit against a Massachusetts median of 2,833.
• Location: 42.4294, -71.0587 (Census Gazetteer coordinates).
• Nearest larger cities: Somerville (3 mi); Cambridge (5 mi); Lynn (6 mi); Boston (7 mi); Newton (10 mi). Living near a larger metro rarely changes what is available in Malden.
• Smaller places close by: Everett (2 mi); Melrose (2 mi); Medford (3 mi).
• Smaller neighbours: 29 places smaller than Malden sit within 50 miles.
• Larger places within 100 miles: 23.

Malden's place among Massachusetts's 54 places

Set beside Massachusetts's 54 places, Malden ranks 16th by population and holds about 1.8% of the state total. Its 2020-to-2023 change ranks 48th of 54 Massachusetts places, putting it near the 11th percentile for growth. By density, at about 12,910 people per square mile, it ranks 6th in Massachusetts. In land area, Malden ranks 49th among Massachusetts's 54 places.

The anatomy of a Malden personal loan

In Malden, a mid-sized city of about 65,133, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Malden. Because the payment is fixed, the total cost of a Malden loan is knowable in advance — unlike a revolving card balance.

What is available to Malden borrowers

Malden is a densely built community of about 65,133 people, with 17 larger places inside a 50-mile radius. A Massachusetts licence lets a lender serve Malden without a local office, so branch density does not change what its 65,133 residents are offered. The nearest bigger place is Somerville, MA about 3 miles away.

How Massachusetts law applies in Malden

Every row below records a Massachusetts rule, its publisher and its retrieval date — the same rules a Malden lender must follow.

Before you apply in Malden

Before you hand your details to a lender in Malden, where the population is near 65,133:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Test your amount and term in the personal loan calculator first.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Look the lender up in the Massachusetts regulator's licence records before you sign.
5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
6. Borrow only what the purpose requires, not the maximum you are offered.
7. Write down the purpose of the loan and your repayment plan before you apply.

What differs between Malden and the rest of Massachusetts is not the process but the borrower's own file, among the 65,133 people here.