Personal loans in Randolph Town, MA

In Randolph Town, one of 54 Census places in Massachusetts, the figure to compare across lenders is the APR, not the advertised rate.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Randolph Town is home to roughly 34,487 people and stands 39th by size out of 54 Census places in Massachusetts. The trend for Randolph Town between 2020 and 2023 is downward by roughly 1.4%. Consumer lending that reaches Randolph Town's 34,487 residents is governed by Massachusetts statute; no city ordinance changes it. Decide the purpose of the loan and your repayment plan before sharing any details with a Randolph Town lender. The next larger city is Braintree Town, MA about 3 miles away.

What the Census records for Randolph Town

What follows is Randolph Town's place in the Census record, alongside the Massachusetts rules that govern a personal loan made here.

What Massachusetts law requires in Randolph Town

Read the table as a lender's compliance picture for Randolph Town: the rule, the sourced figure, the publisher and the date.

RuleDetailSource
State lending regulatorDivision of Banks (Office of the Commissioner of Banks)
Source says: "The Division of Banks (DOB) cautions you when applying for a payday loan"
Massachusetts Division of Banks
as of 2026-09-16
Maximum legal interest rate (usury cap)20% per annum criminal-usury threshold (M.G.L. c. 271, § 49); statutory exceptions apply
Source says: "interest and expenses the aggregate of which exceeds an amount greater than twenty per centum per annum upon the sum loaned"
Massachusetts General Court
as of 2026-09-16
Payday lending statusRestricted: DOB states payday lending is not prohibited, but a 'payday loan' is illegal due to the high APR
Source says: "Payday lending is not prohibited in Massachusetts. Yet what is referred to as a 'payday loan' is illegal"
Massachusetts Division of Banks
as of 2026-09-16

Randolph Town: area, density and distance

Randolph Town's land area is about 9.8 square miles; a further 0.59 square miles is water. With 34,487 residents, the land area yields roughly 3,509 people per square mile. The largest place in Massachusetts, Boston, lies about 11 miles away. A 50-mile radius around Randolph Town takes in 38 places that are larger. Within the same 50 miles lie 9 smaller Census places.

What to do before borrowing in Randolph Town

For Randolph Town's roughly 34,487 residents, these are the steps that most influence the offer:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Make sure the lender appears in the Massachusetts regulator's licence list.
  5. Be clear on what the loan is for and how it gets repaid.
  6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  7. Check the disclosure for fees that raise the true cost above the quoted rate.

The process is identical across Massachusetts; what changes is your credit file, not the fact that Randolph Town holds 34,487 people.

Getting a loan in Randolph Town

Randolph Town is fairly dense, with about 3,509 people per square mile and 38 larger places within 50 miles. Distance to a branch rarely matters for Randolph Town's 34,487 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Braintree Town, MA about 3 miles away.

Randolph Town in state context

Set beside Massachusetts's 54 places, Randolph Town ranks 39th by population and holds about 0.9% of the state total. On the 2020-to-2023 trend, Randolph Town stands 39th among Massachusetts's 54 places — roughly the 28th percentile. Its roughly 3,509 residents per square mile place it 23rd among Massachusetts's places. In land area, Randolph Town ranks 42nd among Massachusetts's 54 places.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Randolph Town if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Randolph Town is the same as anywhere in Massachusetts.
What loan size can I expect in Randolph Town?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Randolph Town?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Randolph Town cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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