The MFP’s Community Personal Loan Lender Survey gathers Massachusetts borrowers feedback and recommendations for direct lenders like banks, credit unions and online lenders. Shopping for a personal loan and a lender can be complicated and we gathered this data to help your choice.
Updated: June 2, 2026
<< Human Powered Recommendations from Massachusetts’s Personal Loan Borrowers >>
Massachusetts Best Personal Loan Lenders
Boston, Worcester, Springfield, Cambridge, Lowell, Brockton, Lynn, Quincy, New Bedford, Fall River, Online.
Boston Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Boston’s area are Metro Credit Union, Mass Bay Credit Union and Harvard Federal Credit Union.
- Metro Credit Union ranks highest with a 91% Recommend score, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance.
- Customer feedback points to strong Greater Boston access, clear personal loan options, and helpful support throughout the borrowing process.
- Mass Bay Credit Union ranks second with an 89% Recommend score and matches the highest Loan Terms & Rate Satisfaction rating among the top 3 at 4.7.
- Customer feedback highlights convenient Boston-area branches, straightforward borrowing options, and strong member assistance.
- Harvard Federal Credit Union ranks third with an 87% Recommend score, 4.5 Easy Application, 4.6 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Customer feedback supports the score with positive comments around helpful loan guidance, accessible branch service, and practical personal loan support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Metro Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 91% |
| Mass Bay Credit Union | Credit Union | 4.7 | 4.7 | 4.6 | 89% |
| Harvard Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.7 | 87% |
| City of Boston Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 85% |
| Members Plus Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 83% |
| Tremont Credit Union | Credit Union | 4.3 | 4.4 | 4.5 | 82% |
| Boston Firefighters Credit Union | Credit Union | 4.2 | 4.4 | 4.5 | 80% |
| Liberty Bay Credit Union | Credit Union | 4.2 | 4.3 | 4.4 | 79% |
| Brookline Municipal Credit Union | Credit Union | 4.1 | 4.3 | 4.4 | 78% |
| Eastern Bank | Community Bank | 4.1 | 4.1 | 4.3 | 76% |
| Rockland Trust | Community Bank | 4.0 | 4.1 | 4.2 | 75% |
| Cambridge Savings Bank | Community Bank | 4.0 | 4.0 | 4.2 | 74% |
| TD Bank | Bank | 4.2 | 3.8 | 3.9 | 72% |
| Citizens Bank | Bank | 4.0 | 3.8 | 3.9 | 71% |
| Santander Bank | Bank | 3.9 | 3.8 | 3.8 | 70% |
Worcester Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Worcester’s area are Worcester Credit Union, Digital Federal Credit Union and IC Credit Union.
- Worcester Credit Union ranks highest with a 91% Recommend score, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance.
- Customer feedback points to strong Worcester branch access, clear personal loan options, and helpful support for local borrowers.
- Digital Federal Credit Union ranks second with an 89% Recommend score and the highest Easy Application rating among the top 3 at 4.8.
- Customer feedback highlights convenient application tools, competitive personal loan options, and reliable Worcester-area branch support.
- IC Credit Union ranks third with an 87% Recommend score, 4.6 Easy Application, 4.6 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Customer feedback supports the score with positive comments around local service, personal loan assistance, and responsive member guidance.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Worcester Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 91% |
| Digital Federal Credit Union | Credit Union | 4.8 | 4.6 | 4.7 | 89% |
| IC Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 87% |
| AllCom Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 85% |
| Workers Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 84% |
| Central One Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 82% |
| Worcester Police Department Federal Credit Union | Credit Union | 4.3 | 4.5 | 4.5 | 81% |
| BrightBridge Credit Union | Credit Union | 4.3 | 4.4 | 4.4 | 80% |
| Webster Five | Community Bank | 4.2 | 4.3 | 4.4 | 78% |
| UniBank | Community Bank | 4.2 | 4.2 | 4.3 | 77% |
| Middlesex Savings Bank | Community Bank | 4.1 | 4.2 | 4.3 | 76% |
| TD Bank | Bank | 4.2 | 3.9 | 4.0 | 74% |
| Citizens Bank | Bank | 4.0 | 3.9 | 4.0 | 72% |
| Santander Bank | Bank | 3.9 | 3.8 | 3.9 | 71% |
| Bank of America | Bank | 3.9 | 3.7 | 3.8 | 70% |
Springfield Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Springfield’s area are Pioneer Valley Credit Union, Greater Springfield Credit Union and Freedom Credit Union.
- Pioneer Valley Credit Union ranks highest with a 90% Recommend score, 4.7 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Customer feedback points to strong Springfield-area service, clear personal loan options, and helpful support for local borrowers.
- Greater Springfield Credit Union ranks second with an 88% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.7.
- Customer feedback highlights local branch support, practical personal loan choices, and responsive member assistance.
- Freedom Credit Union ranks third with an 86% Recommend score, 4.6 Easy Application, 4.5 Loan Terms & Rate Satisfaction, and 4.6 Support & Guidance.
- Customer feedback supports the score with positive comments around fast loan help, accessible Springfield-area service, and straightforward borrowing support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Pioneer Valley Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 90% |
| Greater Springfield Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 88% |
| Freedom Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 86% |
| Arrha Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 84% |
| MassMutual Federal Credit Union | Credit Union | 4.3 | 4.4 | 4.5 | 82% |
| Westfield Bank | Community Bank | 4.2 | 4.3 | 4.4 | 80% |
| New Valley Bank & Trust | Community Bank | 4.1 | 4.2 | 4.3 | 78% |
| TD Bank | Bank | 4.2 | 3.9 | 4.0 | 75% |
| M&T Bank | Bank | 4.0 | 3.9 | 4.0 | 73% |
| Bank of America | Bank | 3.9 | 3.7 | 3.8 | 70% |
Cambridge Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Cambridge’s area are Harvard Federal Credit Union, MIT Federal Credit Union and Cambridge Municipal Employees Federal Credit Union.
- Harvard Federal Credit Union ranks highest with a 90% Recommend score, 4.7 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance.
- Customer feedback points to strong Cambridge branch access, clear personal loan options, and helpful borrower support.
- MIT Federal Credit Union ranks second with an 88% Recommend score and the highest Easy Application rating among the top 3 at 4.8.
- Customer feedback highlights convenient application tools, useful loan options, and strong support for Cambridge-area members.
- Cambridge Municipal Employees Federal Credit Union ranks third with an 86% Recommend score, 4.5 Easy Application, 4.6 Loan Terms & Rate Satisfaction, and 4.6 Support & Guidance.
- Customer feedback supports the score with positive comments around local service, accessible loan programs, and helpful borrowing assistance.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Harvard Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 90% |
| MIT Federal Credit Union | Credit Union | 4.8 | 4.6 | 4.7 | 88% |
| Cambridge Municipal Employees Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 86% |
| Hanscom Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.6 | 84% |
| Metro Credit Union | Credit Union | 4.5 | 4.4 | 4.5 | 83% |
| Cambridge Savings Bank | Community Bank | 4.3 | 4.3 | 4.4 | 81% |
| North Cambridge Co-Operative Bank | Community Bank | 4.2 | 4.2 | 4.4 | 79% |
| Eastern Bank | Community Bank | 4.1 | 4.1 | 4.3 | 77% |
| TD Bank | Bank | 4.2 | 3.9 | 4.0 | 74% |
| BMO | Bank | 4.0 | 3.8 | 3.9 | 72% |
Lowell Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Lowell’s area are Jeanne D’Arc Credit Union, Mills42 Federal Credit Union and Lowell Five Bank.
- Jeanne D’Arc Credit Union ranks highest with a 90% Recommend score, 4.7 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance.
- Customer feedback points to strong Lowell branch access, clear personal loan options, and helpful member support.
- Mills42 Federal Credit Union ranks second with an 88% Recommend score and matches the highest Easy Application rating among the top 3 at 4.7.
- Customer feedback highlights local service, practical personal loan support, and responsive assistance for Lowell-area borrowers.
- Lowell Five Bank ranks third with an 84% Recommend score, 4.4 Easy Application, 4.5 Loan Terms & Rate Satisfaction, and 4.5 Support & Guidance.
- Customer feedback supports the score with positive comments around local banking access, personal lending options, and helpful branch service.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Jeanne D’Arc Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 90% |
| Mills42 Federal Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 88% |
| Lowell Five Bank | Community Bank | 4.4 | 4.5 | 4.5 | 84% |
| Washington Savings Bank | Community Bank | 4.3 | 4.4 | 4.5 | 82% |
| Salem Five Bank | Community Bank | 4.2 | 4.2 | 4.3 | 78% |
| TD Bank | Bank | 4.2 | 3.9 | 4.0 | 75% |
| Santander Bank | Bank | 4.0 | 3.8 | 3.9 | 72% |
| Bank of America | Bank | 3.9 | 3.7 | 3.8 | 70% |
Brockton Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Brockton’s area are SCU Credit Union, HarborOne Bank and North Easton Savings Bank.
- SCU Credit Union ranks highest with an 88% Recommend score, 4.6 Easy Application, 4.6 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Customer feedback points to strong Brockton-area access, practical personal loan options, and helpful member support.
- HarborOne Bank ranks second with an 85% Recommend score and matches the highest Easy Application rating among the top 3 at 4.6.
- Customer feedback highlights local Brockton service, straightforward borrowing support, and useful personal loan guidance.
- North Easton Savings Bank ranks third with an 83% Recommend score, 4.4 Easy Application, 4.4 Loan Terms & Rate Satisfaction, and 4.5 Support & Guidance.
- Customer feedback supports the score with positive comments around branch service, personal lending help, and responsive local support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| SCU Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 88% |
| HarborOne Bank | Community Bank | 4.6 | 4.5 | 4.6 | 85% |
| North Easton Savings Bank | Community Bank | 4.4 | 4.4 | 4.5 | 83% |
| Rockland Trust | Community Bank | 4.2 | 4.2 | 4.4 | 80% |
| South Shore Bank | Community Bank | 4.1 | 4.1 | 4.3 | 78% |
| Eastern Bank | Community Bank | 4.0 | 4.0 | 4.2 | 76% |
| TD Bank | Bank | 4.2 | 3.8 | 4.0 | 73% |
| Santander Bank | Bank | 3.9 | 3.8 | 3.9 | 71% |
Lynn Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Lynn’s area are Community Credit Union, Metro Credit Union and RiverWorks Credit Union.
- Community Credit Union ranks highest with a 90% Recommend score, 4.7 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance.
- Customer feedback points to strong Lynn branch access, flexible unsecured personal loan options, and helpful local support.
- Metro Credit Union ranks second with an 88% Recommend score and matches the highest Easy Application rating among the top 3 at 4.7.
- Customer feedback highlights convenient Lynn-area service, clear borrowing options, and responsive loan assistance.
- RiverWorks Credit Union ranks third with an 86% Recommend score, 4.5 Easy Application, 4.6 Loan Terms & Rate Satisfaction, and 4.6 Support & Guidance.
- Customer feedback supports the score with positive comments around nearby branch service, practical loan options, and member-focused assistance.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Community Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 90% |
| Metro Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 88% |
| RiverWorks Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 86% |
| Eastern Bank | Community Bank | 4.2 | 4.2 | 4.4 | 80% |
| Rockland Trust | Community Bank | 4.1 | 4.1 | 4.3 | 78% |
| Salem Five Bank | Community Bank | 4.0 | 4.1 | 4.2 | 76% |
| BMO | Bank | 4.0 | 3.8 | 3.9 | 72% |
| Santander Bank | Bank | 3.9 | 3.7 | 3.8 | 70% |
Quincy Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Quincy’s area are Quincy Credit Union, Mass Bay Credit Union and BrightBridge Credit Union.
- Quincy Credit Union ranks highest with a 90% Recommend score, 4.7 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance.
- Customer feedback points to strong Quincy-area service, clear personal loan options, and helpful local support for borrowers.
- Mass Bay Credit Union ranks second with an 88% Recommend score and matches the highest Loan Terms & Rate Satisfaction rating among the top 3 at 4.7.
- Customer feedback highlights convenient Quincy branch access, straightforward borrowing options, and responsive member assistance.
- BrightBridge Credit Union ranks third with an 86% Recommend score, 4.5 Easy Application, 4.6 Loan Terms & Rate Satisfaction, and 4.6 Support & Guidance.
- Customer feedback supports the score with positive comments around nearby branch service, practical loan choices, and useful borrowing guidance.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Quincy Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 90% |
| Mass Bay Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 88% |
| BrightBridge Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 86% |
| South Shore Bank | Community Bank | 4.3 | 4.4 | 4.5 | 82% |
| Bank of Canton | Community Bank | 4.2 | 4.3 | 4.4 | 80% |
| Colonial Federal Savings Bank | Community Bank | 4.1 | 4.2 | 4.3 | 78% |
| TD Bank | Bank | 4.2 | 3.9 | 4.0 | 74% |
| Santander Bank | Bank | 3.9 | 3.8 | 3.9 | 71% |
New Bedford Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in New Bedford’s area are New Bedford Credit Union, St. Anne’s Credit Union and Southcoast Credit Union.
- New Bedford Credit Union ranks highest with a 90% Recommend score, 4.7 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance.
- Customer feedback points to strong New Bedford access, clear personal loan options, and helpful local support for borrowers.
- St. Anne’s Credit Union ranks second with an 88% Recommend score and matches the highest Loan Terms & Rate Satisfaction rating among the top 3 at 4.7.
- Customer feedback highlights convenient New Bedford branch service, practical personal loan support, and responsive member assistance.
- Southcoast Credit Union ranks third with an 86% Recommend score, 4.5 Easy Application, 4.6 Loan Terms & Rate Satisfaction, and 4.6 Support & Guidance.
- Customer feedback supports the score with positive comments around local branch access, personal loan help, and member-focused borrowing support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| New Bedford Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 90% |
| St. Anne’s Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 88% |
| Southcoast Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 86% |
| Alltrust Credit Union | Credit Union | 4.4 | 4.5 | 4.6 | 84% |
| BankFive | Community Bank | 4.3 | 4.4 | 4.5 | 82% |
| Bristol County Savings Bank | Community Bank | 4.2 | 4.3 | 4.4 | 80% |
| BayCoast Bank | Community Bank | 4.1 | 4.2 | 4.3 | 78% |
| Mechanics Cooperative Bank | Community Bank | 4.0 | 4.1 | 4.2 | 76% |
Fall River Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Fall River’s area are St. Anne’s Credit Union, Fall River Municipal Credit Union and BankFive.
- St. Anne’s Credit Union ranks highest with a 90% Recommend score, 4.7 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance.
- Customer feedback points to strong Fall River branch access, clear personal loan support, and helpful local service for borrowers.
- Fall River Municipal Credit Union ranks second with an 88% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Customer feedback highlights local credit union service, practical borrowing help, and strong member support in the Fall River area.
- BankFive ranks third with an 85% Recommend score, 4.5 Easy Application, 4.5 Loan Terms & Rate Satisfaction, and 4.6 Support & Guidance.
- Customer feedback supports the score with positive comments around Fall River branch availability, personal loan access, and responsive banking support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| St. Anne’s Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 90% |
| Fall River Municipal Credit Union | Credit Union | 4.6 | 4.6 | 4.8 | 88% |
| BankFive | Community Bank | 4.5 | 4.5 | 4.6 | 85% |
| Alltrust Credit Union | Credit Union | 4.4 | 4.5 | 4.6 | 84% |
| Bristol County Savings Bank | Community Bank | 4.3 | 4.4 | 4.5 | 82% |
| BayCoast Bank | Community Bank | 4.2 | 4.3 | 4.4 | 80% |
| Rockland Trust | Community Bank | 4.1 | 4.1 | 4.3 | 77% |
| BMO | Bank | 4.0 | 3.8 | 3.9 | 72% |
Massachusetts Best Online Personal Loan Lenders
MFP’s Community Lenders Survey most recommended online personal loan lenders in Massachusetts’s area are DCU, Workers Credit Union and Metro Credit Union.
- DCU ranks highest with a 97% Recommend score, 4.8 Easy Application, 4.9 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance.
- Borrower feedback supports its top position because customers point to strong loan terms, simple online access, and helpful support during the borrowing process.
- Workers Credit Union ranks second with a 96% Recommend score, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance.
- Borrower feedback supports its high placement because customers highlight convenient online payments, clear personal loan options, and helpful service.
- Metro Credit Union ranks third with a 95% Recommend score, 4.7 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance, tying the highest Loan Terms & Rate Satisfaction score among the top 3 after DCU.
- Borrower feedback supports its top-3 ranking because customers point to fixed-rate loan choices, straightforward terms, and useful guidance when applying.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| DCU | Credit Union | 4.8 | 4.9 | 4.8 | 97% |
| Workers Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Metro Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 95% |
| Hanscom Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 94% |
| SoFi | Bank | 4.8 | 4.7 | 4.7 | 93% |
| Jeanne D’Arc Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 92% |
| LightStream | Bank | 4.6 | 4.8 | 4.6 | 91% |
| Rockland Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 90% |
| St. Mary’s Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 89% |
| Webster First Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 88% |
| Best Egg | Online | 4.6 | 4.5 | 4.6 | 87% |
| Upstart | Online | 4.7 | 4.4 | 4.5 | 86% |
| LendingClub | Bank | 4.5 | 4.5 | 4.5 | 85% |
| Upgrade | Online | 4.5 | 4.3 | 4.4 | 84% |
| Discover Personal Loans | Bank | 4.5 | 4.5 | 4.4 | 83% |