MA · LOAN-AGMT · Updated July 2026 · Free
Massachusetts Loan Agreement
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Massachusetts at a glance: Usury Cap: 20% per year (M.G.L. Ch. 271 § 49) · Governing Law: Massachusetts General Laws
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Overview
Loan Agreements in Massachusetts
Massachusetts caps all contract interest rates at 20% per year under Massachusetts General Laws Chapter 271 Section 49.
Key Facts
Massachusetts Loan Agreement — Quick Reference
| Requirement | Massachusetts Rule |
|---|---|
| Usury Cap | 20% per year (M.G.L. Ch. 271 § 49) |
| Governing Law | Massachusetts General Laws |
Legal Requirements
Massachusetts Legal Requirements
- Interest rates must not exceed 20% per annum.
Governing Laws
Massachusetts Governing Laws
Read the full text of these laws at Cornell Law School's Massachusetts legal resources or your state legislature's official website.
Questions & Answers
Massachusetts Loan Agreement — Frequently Asked Questions
Can an interest rate above 20% be enforced if registered?
An interest rate above 20% can be legal if the lender registers the loan with the Attorney General's office before making it.