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Payday Loans in Maine — Laws, Limits & Online Lenders

Compare licensed payday lenders in Maine. One application, multiple offers, no credit impact.

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2 Compare Offers
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Maine Payday Loan Laws at a Glance

Max Loan Amount $2,000
Max APR 261%
Max Term No limit
Rollovers Allowed
Cooling-Off Period None
Governing Statute Me. Rev. Stat. tit. 9-A § 2-401
Note: Heavily regulated, 30% APR cap on loans under $2,000 with fee loophole. Low-payout state.

How to Get a Payday Loan in Maine

Getting a payday loan in Maine is straightforward. Fill out the form above with your basic information — name, address, income, and bank account details. Our network of Maine-licensed lenders reviews your application and presents offers based on your profile.

You compare terms, choose the offer that works best for you, and funds are deposited directly into your bank account — often the same day or next business day.

Requirements for Maine Borrowers

  • Must be 18 years or older (resident of Maine)
  • Active checking account
  • Regular source of income
  • Valid government-issued ID
  • Not active-duty military

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What to Know Before Borrowing in Maine

Under Me. Rev. Stat. tit. 9-A § 2-401, payday lenders in Maine may charge up to the state maximum on qualifying loans. Make sure you understand the total repayment amount before accepting any offer. If you cannot repay on time, contact your lender immediately — Maine may require lenders to offer an extended payment plan.

For more information on payday loan regulations across all states, see our Maine and other state payday loan laws.

Payday Loans by City in Maine

Select your city for local payday loan information, lender options, and Maine regulations that apply to your area.

Portland Lewiston Bangor South Portland Auburn

Maine Payday Loan FAQ

Are payday loans legal in Maine?

Yes. Payday loans are legal in Maine under Me. Rev. Stat. tit. 9-A § 2-401. Lenders must be licensed by the state banking regulator.

How much can I borrow in Maine?

The maximum payday loan amount in Maine is $2,000. Your actual loan amount depends on your income and the lender's assessment.

What is the maximum APR in Maine?

The maximum APR for payday loans in Maine is approximately 261%. Actual rates vary by lender within this limit.

Can I roll over a payday loan in Maine?

Allowed

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