Attleboro at a glance
- Population: about 46,654, 26th by size in Massachusetts of 54 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 46,454 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 0.4% growth over the 2020 Census base (US Census Bureau).
- Rank among Massachusetts places: 26th by size among 54 communities (US Census Bureau).
- Size percentile: larger than about 52% of the Census places in Massachusetts (US Census Bureau).
- Coordinates: 41.9317, -71.2945 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Pawtucket, RI (6 mi); East Providence, RI (10 mi); Providence, RI (10 mi); Taunton, MA (10 mi); Cranston, RI (15 mi); US Census Bureau population estimates.
- Smaller towns nearby: North Attleborough Town, MA (3 mi); Central Falls, RI (6 mi); Woonsocket, RI (12 mi) (US Census Bureau).
What a personal loan costs in Attleboro
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Massachusetts lending rules that apply in Attleboro
The Massachusetts rate caps and licensing rules that reach Attleboro are listed below, each with its source and retrieval 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 |
| Small-loan rate order | Maximum 23% per annum plus a $20 administrative fee (209 CMR 26.00/26.01) Source says: "Regulation 209 CMR 26.00 et seq. limits the annual interest rate that can be charged on small loans to 23%" | 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 |
| Small-loan / installment lender licensing | Small-loan license required for loans of $6,000 or less when interest and expenses exceed 12% per year (M.G.L. c. 140, § 96) Source says: "No person shall directly or indirectly engage in the business of making loans of six thousand dollars or less ... without first obtaining ... a license" | Massachusetts General Court as of 2026-09-16 |
How to compare offers in Attleboro
A few practical steps will make the process in Attleboro less costly:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Massachusetts using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.