North Attleborough Town at a glance
- Population: 30,943 people, the 41st-largest place among Massachusetts's 54 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 30,831 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population rose about 0.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Massachusetts places: 41st of 54 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 24% of places in Massachusetts rank below it by population (US Census Bureau).
- Coordinates: 41.9705 latitude, -71.3349 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Attleboro, MA (3 mi); Pawtucket, RI (7 mi); Woonsocket, RI (9 mi); Franklin Town, MA (9 mi); Providence, RI (11 mi); US Census Bureau population estimates.
- Nearest smaller communities: Central Falls, RI (6 mi); Bridgewater Town, MA (18 mi); Danielson, CT (30 mi) (Census populations).
What a personal loan costs in North Attleborough Town
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Massachusetts lending rules that apply in North Attleborough Town
The Massachusetts rate caps and licensing rules that reach North Attleborough Town are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in North Attleborough Town
Before you commit to a personal loan in North Attleborough Town, work through these steps:
- 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.