Personal loans in Haverhill, MA

Haverhill by the numbers

The figures below are Haverhill's own — Census population, land area and coordinates — followed by the Massachusetts rules.

• Population: about 67,415 people live here, which puts Haverhill 15th of 54 Census places in Massachusetts (Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 0.5%.
• Absolute change: 359 residents lost between 2020 and 2023.
• Size percentile: roughly 72% of Massachusetts's places have fewer residents than Haverhill's 67,415.
• Density: roughly 2,041 residents per square mile, spread over 33.0 sq mi of land.
• Land area rank: Haverhill's 33.0 square miles rank 9th of 54 places in Massachusetts.
• Water: Haverhill holds about 2.66 square miles, the 13th-largest water area in Massachusetts.
• State share: roughly 1.8% of Massachusetts's residents live in Haverhill (67,415 people).
• National standing: Haverhill ranks 561st of 19,457 US places.
• Growth in Massachusetts: Haverhill stands 22nd by percentage change from 2020 to 2023, among 54 places.
• State comparison: Massachusetts's places average -0.7% for 2020-to-2023, against Haverhill's 0.5%.
• Density in Massachusetts: Haverhill ranks 32nd by people per square mile.
• Against the state median: Haverhill runs about 2,041 residents per square mile, where the Massachusetts median is 2,833.
• Location: it lies at 42.7829, -71.0874 in the Census Gazetteer.
• Nearest larger cities: Lawrence (7 mi); Lowell (15 mi); Nashua (21 mi); Lynn (22 mi); Manchester (23 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller towns nearby: Newburyport (10 mi); Peabody (18 mi); Beverly (20 mi).
• Smaller neighbours: 27 places smaller than Haverhill sit within 50 miles.
• At 100 miles: 21 larger Census places fall inside that radius.

How personal loans work in Haverhill

A Haverhill personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 67,415 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Haverhill. Because the payment is fixed, the total cost of a Haverhill loan is knowable in advance — unlike a revolving card balance.

How Massachusetts law applies in Haverhill

The rows below set out what a licensed lender must follow in Massachusetts, and so for Haverhill's roughly 67,415 residents.

Haverhill in state context

Among Massachusetts's 54 places, Haverhill sits at 15th for population, a share of roughly 1.8% of the state. Its 2020-to-2023 change ranks 22nd of 54 Massachusetts places, putting it near the 59th percentile for growth. By density, at about 2,041 people per square mile, it ranks 32nd in Massachusetts. Within 50 miles sit 27 smaller Census places, alongside the 12 that are larger.

A pre-application checklist for Haverhill

These steps shape the offer you get in Haverhill, a place of about 67,415 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Model the payment on the calculator before a lender models it for you.
3. Line up several pre-qualified offers and let the APR decide.
4. Check the Massachusetts regulator's records to confirm the lender is licensed here.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

None of these steps is Haverhill-specific: the same Massachusetts licensing and disclosure rules reach all 67,415 residents.

Land, water and location for Haverhill

Inside Haverhill's boundaries lie roughly 33.0 square miles of land and 2.66 square miles of water. With 67,415 residents, the land area yields roughly 2,041 people per square mile. For the state's biggest city, Boston, the distance is roughly 31 miles. Counting outward 50 miles, 12 larger communities surround Haverhill. The 100-mile radius contains 21 larger places.