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.
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.
- Population: a Census-estimated 34,487, 39th among Massachusetts's 54 places (Vintage 2023).
- Population trend: Lower by roughly 1.4% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a loss of about 486 residents.
- Size percentile: about 28% of Massachusetts's Census places are smaller than Randolph Town.
- Land and density: 9.8 square miles of land carry roughly 3,509 residents per square mile.
- By land area: Randolph Town ranks 42nd among Massachusetts's 54 places, at 9.8 sq mi.
- Water area: Randolph Town has 0.59 square miles of water, ranking 36th of 54 places in Massachusetts.
- Within Massachusetts: about 0.9% of the state's population lives in Randolph Town.
- National rank: Randolph Town sits 1,160th by population among the 19,457 places in this dataset.
- Growth rank: Randolph Town ranks 39th among Massachusetts's 54 places for the 2020-to-2023 change.
- State comparison: Massachusetts's places average -0.7% for 2020-to-2023, against Randolph Town's 1.4%.
- Density rank: Randolph Town places 23rd among Massachusetts's places by people per square mile.
- Against the state median: Randolph Town runs about 3,509 residents per square mile, where the Massachusetts median is 2,833.
- Location: it lies at 42.1790, -71.0527 in the Census Gazetteer.
- Nearest larger cities: Braintree Town (3 mi); Weymouth Town (6 mi); Quincy (6 mi); Brockton (7 mi); Boston (11 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Winthrop Town (14 mi); Bridgewater Town (15 mi); Melrose (19 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 9 smaller Census places.
- At 100 miles: 50 larger Census places fall inside that radius.
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.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Division 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 status | Restricted: 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:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Get several pre-qualifications and compare APR side by side before choosing.
- Make sure the lender appears in the Massachusetts regulator's licence list.
- Be clear on what the loan is for and how it gets repaid.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- 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.
Common questions
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Nearby places
- Braintree Town, MA — population 38,490
- Quincy, MA — population 101,597
- Brockton, MA — population 104,890
- Weymouth Town, MA — population 59,114
- Boston, MA — population 653,833
- Cambridge, MA — population 118,214
- Winthrop Town, MA — population 18,319
- Somerville, MA — population 80,407