Compare loan rates in Waltham.
Whether you live in Middlesex County or anywhere else in Massachusetts, loan.me matches you with lenders licensed in your state. We verify your info, then lenders compete for your business.
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MA · Local snapshot
Waltham, MA
- Population
- 61,321
- ZIP codes
- 3
- Mean income
- $92,683
- County
- Middlesex County
Waltham rate snapshot
What personal loan rates look like in Waltham right now.
Local median APR (MA)
19.67%
Averaged across credit tiers, adjusted for Massachusetts.
National median APR
19.37%
Lenders licensed in MA
300+
Competing for Waltham borrowers.
Rates shown are illustrative medians derived from our lender network for Massachusetts. Your actual offer depends on credit profile, income, loan amount, and term. Pre-qualify with a soft credit check to see your real rate from lenders licensed in Middlesex County.
About lending in Waltham
How borrowing works in Waltham, MA.
Waltham sits in Middlesex County, where the typical household earns about $92,683 a year. That income context matters: lenders use debt-to-income ratios to size offers, so Waltham borrowers often qualify for larger personal loans and more competitive mortgage pricing.
Across 3 ZIP codes in and around Waltham, loan.me works with 300+ lenders licensed in Massachusetts. That includes national banks, credit unions, online direct lenders, and specialty providers for auto, business, and home equity needs. We don't lend directly we shop your profile to the partners most likely to approve you at the best rate available in MA.
Because Massachusetts regulates APR caps, disclosure timing, and prepayment penalties differently than neighboring states, every offer you see has already been filtered for compliance in Waltham. No bait-and-switch teaser rates, no offers from lenders who can't actually fund a loan in your ZIP.
What you can borrow for
Loan options for Waltham borrowers.
Personal & debt loans
Compare personal loan offers from $1K–$100K. Consolidate cards, fund a project, cover the unexpected.
Mortgage & refinance
Purchase, refinance, and home equity options from local and national lenders licensed in your state.
Auto & specialty loans
Pre-approved auto financing, business loans, and equipment financing all in one place.
Compare Waltham rates by product
Pick the loan you need.
Personal Loans
in Waltham, MA
Auto Loans
in Waltham, MA
Student Loans
in Waltham, MA
Debt Consolidation
in Waltham, MA
Business Loans
in Waltham, MA
SBA Loans
in Waltham, MA
Business Credit Cards
in Waltham, MA
Equipment Financing
in Waltham, MA
Home Purchase
in Waltham, MA
Refinance
in Waltham, MA
Home Equity
in Waltham, MA
FHA & VA Loans
in Waltham, MA
Rewards Credit Cards
in Waltham, MA
Balance Transfer Cards
in Waltham, MA
Secured Credit Cards
in Waltham, MA
0% Intro APR Cards
in Waltham, MA
Why loan.me in Waltham
One application, lenders licensed in Massachusetts.
Every offer you see comes from a lender licensed to do business in Massachusetts. Real rates, real terms, filtered for your credit profile before you ever see them.
- Soft credit check won't impact your score
- 300+ lending partners licensed across all 50 states
- Real pre-qualified offers, not teaser rates
- Free to compare lenders pay us, never you
Nearby in Massachusetts
Other cities we serve.
Questions Waltham borrowers ask.
What loan amounts can I qualify for in Waltham, MA?+
loan.me matches Waltham borrowers with personal loans from $1,000 to $100,000, auto loans up to vehicle value, and mortgages from $50,000 to jumbo amounts. Final approval depends on income, credit profile, and the lender's underwriting rules in Massachusetts.
Does checking my rate affect my credit score in Waltham?+
No. Pre-qualification on loan.me uses a soft credit pull, which does not impact your credit score. A hard inquiry only happens after you accept an offer and the lender begins formal underwriting.
How long does it take to get funded in Waltham, MA?+
Most personal and auto loan applications from Waltham receive offers within minutes and fund within 1–3 business days after approval. Mortgage and refinance timelines depend on appraisal and title work in Middlesex County, typically 21–45 days.
Are the lenders shown licensed to operate in Massachusetts?+
Yes. Every offer surfaced to a Waltham borrower comes from a lender licensed to originate the requested product in Massachusetts. We filter the marketplace by your state before any offer is displayed.
Is there a fee to compare loan offers in Waltham?+
No. loan.me is free for borrowers. Our lending partners pay us when a match results in a funded loan, so you can compare offers in Waltham without ever paying us a fee.
Page last reviewed for Waltham, MA.
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