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Survey Results We asked readers after the Fed’s Sept. 16 hike: 72% of borrowers would use a personal loan to pay off other debt. See the full results
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Personal Loan Rate Trends

Maine Best Personal Loan Rates - October 2026

Maine personal loan rates range from 6.99% to 18.00% APR, verified by MonitorBankRates as of October 13, 2026. Current personal loan options available to borrowers in Maine include: NBT BankNBT Bank5 Widgery Wharf Fl 3, Portland, ME, 04101A+5.0 ★Texas Ratio: 3.43% offering Personal Loan Unsecured at 6.99% APR, Trademark Federal Credit UnionTrademark Federal Credit Union44 Edison Dr, Augusta, ME, 04330 6033A5.0 ★Texas Ratio: 12.88% offering Personal Loan at 6.99% APR, Milestones Federal Credit UnionMilestones Federal Credit Union291 Pine St, Lewiston, ME, 04240A+5.0 ★Texas Ratio: 4.64% offering Consolidation Loan at 7.50% APR, Cumberland County Federal Credit UnionCumberland County Federal Credit Union1345 Washington Ave, Portland, ME, 04103A+5.0 ★Texas Ratio: 4.81% offering Personal Loans at 7.50% APR, and Coast Line Credit UnionCoast Line Credit Union333 Cottage Rd, South Portland, ME, 04106 3919A+5.0 ★Texas Ratio: 0.47% offering Personal Loans at 7.75% APR. Personal loan rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare personal loan rates across Maine side-by-side. Maine personal loan rates currently start as low as 6.99% APR from NBT Bank at 5 Widgery Wharf Fl 3, Portland, ME, 04101. Rates are continually updated, so we recommend checking back frequently.

We empower borrowers with transparent, proprietary financial health metrics, including A-F Safety Grades, verified Star Ratings, and Texas Ratios, so you can confidently borrow from a stable, highly-rated institution in Maine.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Maine. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: October 13, 2026

Maine Personal Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
5 Widgery Wharf Fl 3, Portland, ME, 04101
Personal Loan UnsecuredTerm: 36 months
6.99%
▼
APR6.99%
Term36 months
Last UpdatedNot available
Details

Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000, minimum credit score is 730, and maximum term is 36 months. Payment Examples: On a $7,500 loan, the payment would be $231.54 per month for 36 months with a 6.99% APR.

Rate History
1 change since Sep 15, 2026 · 9.04% → 6.99% ▼ 2.05 pts · high 9.04% / low 6.99%
4.94%8.02%11.09%Sep 15, 2026: 9.04% APROct 7, 2026: 6.99% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.99%▼ from 9.04%
  • Sep 15, 20269.04%first recorded
Trademark Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
44 Edison Dr, Augusta, ME, 04330 6033
Personal Loan
6.99%
▼
APR6.99%
TermN/A
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 16, 2026 · 6.99% APR · checked 5 times
6.49%6.99%7.49%Sep 16, 2026: 6.99% APRSep 16, 2026Oct 13, 2026
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
291 Pine St, Lewiston, ME, 04240
Consolidation Loan
7.50%
▼
APR7.50%
TermN/A
Last UpdatedNot available
Details

As Low As; Rates effective 5/21/2026

Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 7 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1345 Washington Ave, Portland, ME, 04103
Personal Loans
7.50%
▼
APR7.50%
TermN/A
Last UpdatedNot available
Details

As Low As; Featured rate on homepage

Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 8 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
333 Cottage Rd, South Portland, ME, 04106 3919
Personal LoansTerm: 12 months
7.75%
▼
APR7.75%
Term12 months
Last UpdatedNot available
Details

As low as; Loan Amount: $2501 and Over

Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 5 times
7.25%7.75%8.25%Sep 14, 2026: 7.75% APRSep 14, 2026Oct 13, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
333 Cottage Rd, South Portland, ME, 04106 3919
Personal LoansTerm: 18 months
7.85%
▼
APR7.85%
Term18 months
Last UpdatedNot available
Details

As low as; Loan Amount: $2501 and Over

Rate History
No change since Sep 14, 2026 · 7.85% APR · checked 5 times
7.35%7.85%8.35%Sep 14, 2026: 7.85% APRSep 14, 2026Oct 13, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
333 Cottage Rd, South Portland, ME, 04106 3919
Personal LoansTerm: 24 months
7.95%
▼
APR7.95%
Term24 months
Last UpdatedNot available
Details

As low as; Loan Amount: $2501 and Over

Rate History
No change since Sep 14, 2026 · 7.95% APR · checked 5 times
7.45%7.95%8.45%Sep 14, 2026: 7.95% APRSep 14, 2026Oct 13, 2026
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
291 Pine St, Lewiston, ME, 04240
Unsecured Personal/Signature Loan
7.99%
▼
APR7.99%
TermN/A
Last UpdatedNot available
Details

As Low As; Rates are determined by credit worthiness of the member, loan amount, and loan term

Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 7 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
325 Lisbon St, Lisbon, ME, 04250 6865
Personal - 12 Months LoanTerm: 12 Months
7.99%
▼
APR7.99%
Term12 Months
Last UpdatedNot available
Details

Terms may vary, subject to qualification; Longer terms may be available

Rate History
No change since Oct 13, 2026 · 7.99% APR
7.49%7.99%8.49%Oct 13, 2026: 7.99% APROct 13, 2026Oct 13, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation LoansTerm: Up to 12 Months
7.99%
▼
APR7.99%
TermUp to 12 Months
Last UpdatedNot available
Details

As Low As; Minimum loan amount $500; Maximum loan amount $30,000; Stated rate is based on certain creditworthiness criteria

Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 6 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
Capital Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
2010 N Belfast ave, Augusta, ME, 04330
Unsecured Loan
8.00%
▼
APR8.00%
TermN/A
Last UpdatedNot available
Details

Credit Tier: A+; Credit Score Tier 730+; Unsecured loans without collateral, guaranteed by a person/signature; 0.50% added on loans over $5,000

Rate History
No change since Oct 12, 2026 · 8.00% APR
7.50%8.00%8.50%Oct 12, 2026: 8.00% APROct 12, 2026Oct 13, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
333 Cottage Rd, South Portland, ME, 04106 3919
Personal LoansTerm: 30 months
8.20%
▼
APR8.20%
Term30 months
Last UpdatedNot available
Details

As low as; Loan Amount: $2501 and Over

Rate History
No change since Sep 14, 2026 · 8.20% APR · checked 5 times
7.70%8.20%8.70%Sep 14, 2026: 8.20% APRSep 14, 2026Oct 13, 2026
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
505 SOMERSET AVE, PITTSFIELD, ME, 04967
Personal LoanTerm: Up to 60 months
8.25%
▼
APR8.25%
TermUp to 60 months
Last UpdatedNot available
Details

As Low As; Payment per $1,000 not extracted

Rate History
No change since Sep 12, 2026 · 8.25% APR · checked 8 times
7.75%8.25%8.75%Sep 12, 2026: 8.25% APRSep 12, 2026Oct 13, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
333 Cottage Rd, South Portland, ME, 04106 3919
Personal LoansTerm: 36 months
8.49%
▼
APR8.49%
Term36 months
Last UpdatedNot available
Details

As low as; Loan Amount: $2501 and Over

Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 5 times
7.99%8.49%8.99%Sep 14, 2026: 8.49% APRSep 14, 2026Oct 13, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation LoansTerm: Up to 24 Months
8.50%
▼
APR8.50%
TermUp to 24 Months
Last UpdatedNot available
Details

As Low As; Minimum loan amount $500; Maximum loan amount $30,000; Stated rate is based on certain creditworthiness criteria

Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 6 times
8.00%8.50%9.00%Sep 14, 2026: 8.50% APRSep 14, 2026Oct 13, 2026
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
225 RIVER RD, MEXICO, ME, 04257
Personal LoanTerm: 0 - 60 Months
8.89%
▼
APR8.89%
Term0 - 60 Months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 16, 2026 · 8.89% APR · checked 5 times
8.39%8.89%9.39%Sep 16, 2026: 8.89% APRSep 16, 2026Oct 13, 2026
KSW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.84%
222 College Ave, Waterville, ME, 04901 6226
Personal Loans
8.99%
▼
APR8.99%
TermN/A
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 6 times
8.49%8.99%9.49%Sep 14, 2026: 8.99% APRSep 14, 2026Oct 13, 2026
Lincoln Maine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
171 W BROADWAY, LINCOLN, ME, 04457
Personal Loan - My Link Program Member
8.99%
▼
APR8.99%
TermN/A
Last UpdatedNot available
Details

Credit Rating: 720+; Grade: A+

Rate History
No change since Oct 13, 2026 · 8.99% APR
8.49%8.99%9.49%Oct 13, 2026: 8.99% APROct 13, 2026Oct 13, 2026
Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
2 Middle Rd, Sabattus, ME, 04280
Unsecured LoansTerm: 12 Months
8.99%
▼
APR8.99%
Term12 Months
Last UpdatedNot available
Details

As Low As; Rates shown for new loans only; Unsecured loans are personal loans not secured with collateral

Rate History
No change since Oct 9, 2026 · 8.99% APR · checked 2 times
8.49%8.99%9.49%Oct 9, 2026: 8.99% APROct 9, 2026Oct 13, 2026
Lincoln Maine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
171 W BROADWAY, LINCOLN, ME, 04457
Personal Loan - My Link Program Member
9.24%
▼
APR9.24%
TermN/A
Last UpdatedNot available
Details

Credit Rating: 680-719; Grade: A

Rate History
No change since Oct 13, 2026 · 9.24% APR
8.74%9.24%9.74%Oct 13, 2026: 9.24% APROct 13, 2026Oct 13, 2026
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
339 Hogan Rd, Bangor, ME, 04401 4205
Personal LoanTerm: up to 6 years
9.25%
▼
APR9.25%
Termup to 6 years
Last UpdatedNot available
Details

As Low As; Membership eligibility required

Rate History
No change since Sep 14, 2026 · 9.25% APR · checked 8 times
8.75%9.25%9.75%Sep 14, 2026: 9.25% APRSep 14, 2026Oct 13, 2026
Lincoln Maine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
171 W BROADWAY, LINCOLN, ME, 04457
Personal Loan
9.49%
▼
APR9.49%
TermN/A
Last UpdatedNot available
Details

Credit Rating: 720+; Grade: A+

Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 9 times
8.99%9.49%9.99%Sep 14, 2026: 9.49% APRSep 14, 2026Oct 13, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
333 Cottage Rd, South Portland, ME, 04106 3919
Personal LoansTerm: 48 months
9.49%
▼
APR9.49%
Term48 months
Last UpdatedNot available
Details

As low as; Loan Amount: $2501 and Over

Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 5 times
8.99%9.49%9.99%Sep 14, 2026: 9.49% APRSep 14, 2026Oct 13, 2026
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME, 04240
Unsecured Personal LoansTerm: 1 Year
9.50%
▼
APR9.50%
Term1 Year
Last UpdatedNot available
Details

As Low As; Based on credit score of 785 and higher

Rate History
No change since Sep 16, 2026 · 9.50% APR · checked 5 times
9.00%9.50%10.00%Sep 16, 2026: 9.50% APRSep 16, 2026Oct 13, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
831 Middle St, Bath, ME, 04530 2401
Personal LoansTerm: 1 year
9.74%
▼
APR9.74%
Term1 year
Last UpdatedNot available
Details

As Low As; Minimum Loan Amount: $300; Maximum Loan Amount: $25,000

Rate History
No change since Oct 13, 2026 · 9.74% APR
9.24%9.74%10.24%Oct 13, 2026: 9.74% APROct 13, 2026Oct 13, 2026
Lincoln Maine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
171 W BROADWAY, LINCOLN, ME, 04457
Personal Loan
9.74%
▼
APR9.74%
TermN/A
Last UpdatedNot available
Details

Credit Rating: 680-719; Grade: A

Rate History
No change since Sep 14, 2026 · 9.74% APR · checked 9 times
9.24%9.74%10.24%Sep 14, 2026: 9.74% APRSep 14, 2026Oct 13, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
333 Cottage Rd, South Portland, ME, 04106 3919
Personal LoansTerm: 60 months
9.74%
▼
APR9.74%
Term60 months
Last UpdatedNot available
Details

As low as; Loan Amount: $2501 and Over

Rate History
No change since Sep 14, 2026 · 9.74% APR · checked 5 times
9.24%9.74%10.24%Sep 14, 2026: 9.74% APRSep 14, 2026Oct 13, 2026
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
85 Civic Center Drive, AUGUSTA, ME, 04330
Personal & Debt Consolidation LoanTerm: Up to 60 months
9.95%
▼
APR9.95%
TermUp to 60 months
Last UpdatedNot available
Details

As Low As; Maximum Amount: $10,000

Rate History
No change since Sep 14, 2026 · 9.95% APR · checked 6 times
9.45%9.95%10.45%Sep 14, 2026: 9.95% APRSep 14, 2026Oct 13, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1000 Central St, Millinocket, ME, 04462 2101
Signature LoansTerm: Up to 60 months
9.99%
▼
APR9.99%
TermUp to 60 months
Last UpdatedNot available
Details

As Low As; Variable; Index: Prime (plus); Margin 2.99%; Payment per $1000 87.92 (12 months) not a rate

Rate History
1 change since Sep 14, 2026 · 9.74% → 9.99% ▲ 0.25 pts · high 9.99% / low 9.74%
9.24%9.87%10.49%Sep 14, 2026: 9.74% APROct 4, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
  • Oct 4, 20269.99%▲ from 9.74%
  • Sep 14, 20269.74%first recorded
Lincoln Maine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
171 W BROADWAY, LINCOLN, ME, 04457
Personal Loan - My Link Program Member
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

Credit Rating: 640-679; Grade: B

Rate History
No change since Oct 13, 2026 · 9.99% APR
9.49%9.99%10.49%Oct 13, 2026: 9.99% APROct 13, 2026Oct 13, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Lines of Credit Loan
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

As Low As; Maximum Line: $10,000; Rates are fixed for the life of the loan.

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation LoansTerm: Up to 36 Months
9.99%
▼
APR9.99%
TermUp to 36 Months
Last UpdatedNot available
Details

As Low As; Minimum loan amount $500; Maximum loan amount $30,000; Stated rate is based on certain creditworthiness criteria

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
2 Middle Rd, Sabattus, ME, 04280
Unsecured LoansTerm: 24 Months
9.99%
▼
APR9.99%
Term24 Months
Last UpdatedNot available
Details

As Low As; Rates shown for new loans only; Unsecured loans are personal loans not secured with collateral

Rate History
No change since Oct 9, 2026 · 9.99% APR · checked 2 times
9.49%9.99%10.49%Oct 9, 2026: 9.99% APROct 9, 2026Oct 13, 2026
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
23 Third Ave, Baileyville, ME, 04694
Personal LoansTerm: Up to 72 Months
9.99%
▼
APR9.99%
TermUp to 72 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME, 04240
Unsecured Personal LoansTerm: 2 Years
10.00%
▼
APR10.00%
Term2 Years
Last UpdatedNot available
Details

As Low As; Based on credit score of 785 and higher

Rate History
No change since Sep 16, 2026 · 10.00% APR · checked 5 times
9.50%10.00%10.50%Sep 16, 2026: 10.00% APRSep 16, 2026Oct 13, 2026
Great Falls Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
34 Bates St, Lewiston, ME, 04240 7606
Unsecured LoanTerm: 24 Months
10.00%
▼
APR10.00%
Interest Rate10.00%
Term24 Months
Last UpdatedNot available
Details

Unlabeled homepage carousel value; rate type (interest rate vs APR) not stated

Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 8 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APRSep 14, 2026Oct 13, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME, 04210
Unsecured LoanTerm: 36 months
10.22%
▼
APR10.22%
Interest Rate9.99%
Term36 months
Last UpdatedNot available
Details

As low as; Payment per $1,000: $32.37

Rate History
1 change since Sep 24, 2026 · 9.73% → 10.22% ▲ 0.49 pts · high 10.22% / low 9.73%
9.23%9.98%10.72%Sep 24, 2026: 9.73% APROct 6, 2026: 10.22% APRSep 24, 2026Oct 13, 2026
  • Oct 6, 202610.22%▲ from 9.73%
  • Sep 24, 20269.73%first recorded
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
23 Industrial Park Rd, Saco, ME, 04072 1804
Unsecured LoansTerm: Up to 60 months
10.24%
▼
APR10.24%
TermUp to 60 months
Last UpdatedNot available
Details

Maximum APR: Up to 18.00% APR

Rate History
No change since Sep 14, 2026 · 10.24% APR · checked 6 times
9.74%10.24%10.74%Sep 14, 2026: 10.24% APRSep 14, 2026Oct 13, 2026
Capital Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
2010 N Belfast ave, Augusta, ME, 04330
Unsecured Loan
10.25%
▼
APR10.25%
TermN/A
Last UpdatedNot available
Details

Credit Tier: A; Credit Score Tier 680-729; Unsecured loans without collateral, guaranteed by a person/signature; 0.50% added on loans over $5,000

Rate History
No change since Oct 12, 2026 · 10.25% APR
9.75%10.25%10.75%Oct 12, 2026: 10.25% APROct 12, 2026Oct 13, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
831 Middle St, Bath, ME, 04530 2401
Personal LoansTerm: 2 years
10.49%
▼
APR10.49%
Term2 years
Last UpdatedNot available
Details

As Low As; Minimum Loan Amount: $1,500; Maximum Loan Amount: $25,000

Rate History
No change since Oct 13, 2026 · 10.49% APR
9.99%10.49%10.99%Oct 13, 2026: 10.49% APROct 13, 2026Oct 13, 2026
Lincoln Maine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
171 W BROADWAY, LINCOLN, ME, 04457
Personal Loan
10.49%
▼
APR10.49%
TermN/A
Last UpdatedNot available
Details

Credit Rating: 640-679; Grade: B

Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 9 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
225 Riverside St, Portland, ME, 04103 1038
Personal LoanTerm: Up to 48 months
10.49%
▼
APR10.49%
TermUp to 48 months
Last UpdatedNot available
Details

As low as*

Rate History
No change since Sep 18, 2026 · 10.49% APR · checked 5 times
9.99%10.49%10.99%Sep 18, 2026: 10.49% APRSep 18, 2026Oct 13, 2026
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME, 04240
Unsecured Personal LoansTerm: 3 Years
10.50%
▼
APR10.50%
Term3 Years
Last UpdatedNot available
Details

As Low As; Based on credit score of 785 and higher

Rate History
No change since Sep 16, 2026 · 10.50% APR · checked 5 times
10.00%10.50%11.00%Sep 16, 2026: 10.50% APRSep 16, 2026Oct 13, 2026
Maine Solutions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
209 Western Ave Unit B, South Portland, ME, 04106
Personal Loan (Unsecured)Term: 60 months
10.50%
▼
APR10.50%
Term60 months
Last UpdatedNot available
Details

As Low As; Loan amount $500-$25000; Add 0.25% to rate if NOT paid via payroll deduction; A $100 loan refinance fee applies to most vehicle and personal loans - some restrictions apply

Rate History
No change since Oct 5, 2026 · 10.50% APR · checked 3 times
10.00%10.50%11.00%Oct 5, 2026: 10.50% APROct 5, 2026Oct 13, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation LoansTerm: Up to 48 Months
10.50%
▼
APR10.50%
TermUp to 48 Months
Last UpdatedNot available
Details

As Low As; Minimum loan amount $500; Maximum loan amount $30,000; Stated rate is based on certain creditworthiness criteria

Rate History
No change since Sep 14, 2026 · 10.50% APR · checked 6 times
10.00%10.50%11.00%Sep 14, 2026: 10.50% APRSep 14, 2026Oct 13, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME, 04210
Unsecured LoanTerm: 48 months
10.67%
▼
APR10.67%
Interest Rate10.49%
Term48 months
Last UpdatedNot available
Details

As low as; Payment per $1,000: $25.68

Rate History
1 change since Sep 24, 2026 · 10.18% → 10.67% ▲ 0.49 pts · high 10.67% / low 10.18%
9.68%10.43%11.17%Sep 24, 2026: 10.18% APROct 6, 2026: 10.67% APRSep 24, 2026Oct 13, 2026
  • Oct 6, 202610.67%▲ from 10.18%
  • Sep 24, 202610.18%first recorded
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
557 Main St, South Portland, ME, 04106 5408
Personal Flex LoanTerm: Up to 36 Months
10.74%
▼
APR10.74%
TermUp to 36 Months
Last UpdatedNot available
Details

As Low As; Rate reflects .25% discount for relationship pricing

Rate History
No change since Sep 12, 2026 · 10.74% APR · checked 8 times
10.24%10.74%11.24%Sep 12, 2026: 10.74% APRSep 12, 2026Oct 13, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
55 Cushing ST, Brunswick, ME, 04011
Personal LoanTerm: 12 Months
10.75%
▼
APR10.75%
Term12 Months
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 30, 2026 · 10.75% APR · checked 4 times
10.25%10.75%11.25%Sep 30, 2026: 10.75% APRSep 30, 2026Oct 13, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME, 04210
Unsecured LoanTerm: 60 months
10.88%
▼
APR10.88%
Interest Rate10.74%
Term60 months
Last UpdatedNot available
Details

As low as; Payment per $1,000: $21.69

Rate History
1 change since Sep 24, 2026 · 10.39% → 10.88% ▲ 0.49 pts · high 10.88% / low 10.39%
9.89%10.64%11.38%Sep 24, 2026: 10.39% APROct 6, 2026: 10.88% APRSep 24, 2026Oct 13, 2026
  • Oct 6, 202610.88%▲ from 10.39%
  • Sep 24, 202610.39%first recorded
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
831 Middle St, Bath, ME, 04530 2401
Personal LoansTerm: 4 years
10.99%
▼
APR10.99%
Term4 years
Last UpdatedNot available
Details

As Low As; Minimum Loan Amount: $2,500; Maximum Loan Amount: $25,000

Rate History
No change since Oct 13, 2026 · 10.99% APR
10.49%10.99%11.49%Oct 13, 2026: 10.99% APROct 13, 2026Oct 13, 2026
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
325 Lisbon St, Lisbon, ME, 04250 6865
Personal - 24 Months LoanTerm: 24 Months
10.99%
▼
APR10.99%
Term24 Months
Last UpdatedNot available
Details

Terms may vary, subject to qualification; Longer terms may be available

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 2 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
325 Lisbon St, Lisbon, ME, 04250 6865
Personal - 36 Months LoanTerm: 36 Months
10.99%
▼
APR10.99%
Term36 Months
Last UpdatedNot available
Details

Terms may vary, subject to qualification; Longer terms may be available

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 2 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Maine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
200 Capitol St, Augusta, ME, 04330 6238
Personal LoanTerm: 60 Months
10.99%
▼
APR10.99%
Term60 Months
Last UpdatedNot available
Details

As Low As; Rate shown is "as low as" rate, actual rate determined by credit qualifications; Effective As of 10/13/2026

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 6 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation LoansTerm: Up to 60 Months
10.99%
▼
APR10.99%
TermUp to 60 Months
Last UpdatedNot available
Details

As Low As; Minimum loan amount $500; Maximum loan amount $30,000; Stated rate is based on certain creditworthiness criteria

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 6 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
2 Middle Rd, Sabattus, ME, 04280
Unsecured LoansTerm: 36 Months
10.99%
▼
APR10.99%
Term36 Months
Last UpdatedNot available
Details

As Low As; Rates shown for new loans only; Unsecured loans are personal loans not secured with collateral

Rate History
No change since Oct 9, 2026 · 10.99% APR · checked 2 times
10.49%10.99%11.49%Oct 9, 2026: 10.99% APROct 9, 2026Oct 13, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
831 Middle St, Bath, ME, 04530 2401
Personal LoansTerm: 6 years
11.49%
▼
APR11.49%
Term6 years
Last UpdatedNot available
Details

As Low As; Minimum Loan Amount: $15,000; Maximum Loan Amount: $25,000

Rate History
No change since Oct 13, 2026 · 11.49% APR
10.99%11.49%11.99%Oct 13, 2026: 11.49% APROct 13, 2026Oct 13, 2026
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME, 04240
Unsecured Personal LoansTerm: 4 Years
11.50%
▼
APR11.50%
Term4 Years
Last UpdatedNot available
Details

As Low As; Based on credit score of 785 and higher

Rate History
No change since Sep 16, 2026 · 11.50% APR · checked 5 times
11.00%11.50%12.00%Sep 16, 2026: 11.50% APRSep 16, 2026Oct 13, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
Portsmouth Naval Shipyard, Kittery, ME, 03904
Signature Loan (Personal)Term: Up to 84-Months
11.69%
▼
APR11.69%
TermUp to 84-Months
Last UpdatedNot available
Details

$75,000 Maximum

Rate History
No change since Sep 14, 2026 · 11.69% APR · checked 6 times
11.19%11.69%12.19%Sep 14, 2026: 11.69% APRSep 14, 2026Oct 13, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
557 Main St, South Portland, ME, 04106 5408
Personal Flex LoanTerm: Up to 60 Months
11.74%
▼
APR11.74%
TermUp to 60 Months
Last UpdatedNot available
Details

As Low As; Rate reflects .25% discount for relationship pricing

Rate History
No change since Sep 12, 2026 · 11.74% APR · checked 8 times
11.24%11.74%12.24%Sep 12, 2026: 11.74% APRSep 12, 2026Oct 13, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
225 Riverside St, Portland, ME, 04103 1038
Debt Consolidation LoanTerm: Up to 48 months
11.74%
▼
APR11.74%
TermUp to 48 months
Last UpdatedNot available
Details

As low as*

Rate History
No change since Sep 18, 2026 · 11.74% APR · checked 5 times
11.24%11.74%12.24%Sep 18, 2026: 11.74% APRSep 18, 2026Oct 13, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
78 Fox St, Madawaska, ME, 04756
Personal LoansTerm: Up to 60 months
11.90%
▼
APR11.90%
TermUp to 60 months
Last UpdatedNot available
Details

As Low As; max loan $10,000

Rate History
No change since Oct 12, 2026 · 11.90% APR
11.40%11.90%12.40%Oct 12, 2026: 11.90% APROct 12, 2026Oct 13, 2026
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
325 Lisbon St, Lisbon, ME, 04250 6865
Personal - 48 Months LoanTerm: 48 Months
11.99%
▼
APR11.99%
Term48 Months
Last UpdatedNot available
Details

Terms may vary, subject to qualification; Longer terms may be available

Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 2 times
11.49%11.99%12.49%Sep 14, 2026: 11.99% APRSep 14, 2026Oct 13, 2026
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
325 Lisbon St, Lisbon, ME, 04250 6865
Personal - 60 Months LoanTerm: 60 Months
11.99%
▼
APR11.99%
Term60 Months
Last UpdatedNot available
Details

Terms may vary, subject to qualification; Longer terms may be available

Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 2 times
11.49%11.99%12.49%Sep 14, 2026: 11.99% APRSep 14, 2026Oct 13, 2026
Brewer Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
77 N Main St, Brewer, ME, 04412 2009
Unsecured LoansTerm: 24 months
11.99%
▼
APR11.99%
Term24 months
Last UpdatedNot available
Details

As Low As; APR varies based on creditworthiness, selected term, and collateral qualifications

Rate History
No change since Sep 17, 2026 · 11.99% APR · checked 8 times
11.49%11.99%12.49%Sep 17, 2026: 11.99% APRSep 17, 2026Oct 13, 2026
Lincoln Maine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
171 W BROADWAY, LINCOLN, ME, 04457
Personal Loan - My Link Program Member
11.99%
▼
APR11.99%
TermN/A
Last UpdatedNot available
Details

Credit Rating: 600-639; Grade: C

Rate History
No change since Oct 13, 2026 · 11.99% APR
11.49%11.99%12.49%Oct 13, 2026: 11.99% APROct 13, 2026Oct 13, 2026
Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
2 Middle Rd, Sabattus, ME, 04280
Unsecured LoansTerm: 48 Months
11.99%
▼
APR11.99%
Term48 Months
Last UpdatedNot available
Details

As Low As; Rates shown for new loans only; Unsecured loans are personal loans not secured with collateral

Rate History
No change since Oct 9, 2026 · 11.99% APR · checked 2 times
11.49%11.99%12.49%Oct 9, 2026: 11.99% APROct 9, 2026Oct 13, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
61 Grove St, Waterville, ME, 04901
Personal/Signature LoansTerm: Up to 60 months
12.24%
▼
APR12.24%
TermUp to 60 months
Last UpdatedNot available
Details

As Low As; Maximum loan amount is $30,000; APR varies based on credit score and selected term

Rate History
No change since Sep 14, 2026 · 12.24% APR · checked 9 times
11.74%12.24%12.74%Sep 14, 2026: 12.24% APRSep 14, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME, 04240
Signature (Unsecured) LoansTerm: 1 year
12.25%
▼
APR12.25%
Term1 year
Last UpdatedNot available
Details

As Low As; Maximum loan amount is $20,000

Rate History
No change since Sep 18, 2026 · 12.25% APR · checked 5 times
11.75%12.25%12.75%Sep 18, 2026: 12.25% APRSep 18, 2026Oct 13, 2026
Brewer Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
77 N Main St, Brewer, ME, 04412 2009
Unsecured LoansTerm: 36 months
12.49%
▼
APR12.49%
Term36 months
Last UpdatedNot available
Details

As Low As; APR varies based on creditworthiness, selected term, and collateral qualifications

Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 9 times
11.99%12.49%12.99%Sep 14, 2026: 12.49% APRSep 14, 2026Oct 13, 2026
Lincoln Maine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
171 W BROADWAY, LINCOLN, ME, 04457
Personal Loan
12.49%
▼
APR12.49%
TermN/A
Last UpdatedNot available
Details

Credit Rating: 600-639; Grade: C

Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 9 times
11.99%12.49%12.99%Sep 14, 2026: 12.49% APRSep 14, 2026Oct 13, 2026
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME, 04240
Unsecured Personal LoansTerm: 5 Years
12.50%
▼
APR12.50%
Term5 Years
Last UpdatedNot available
Details

As Low As; Based on credit score of 785 and higher

Rate History
No change since Sep 16, 2026 · 12.50% APR · checked 5 times
12.00%12.50%13.00%Sep 16, 2026: 12.50% APRSep 16, 2026Oct 13, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
557 Main St, South Portland, ME, 04106 5408
Personal Flex LoanTerm: Up to 84 Months
12.74%
▼
APR12.74%
TermUp to 84 Months
Last UpdatedNot available
Details

As Low As; Rate reflects .25% discount for relationship pricing

Rate History
No change since Sep 12, 2026 · 12.74% APR · checked 8 times
12.24%12.74%13.24%Sep 12, 2026: 12.74% APRSep 12, 2026Oct 13, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
55 Cushing ST, Brunswick, ME, 04011
Personal LoanTerm: 36 Months
12.75%
▼
APR12.75%
Term36 Months
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 30, 2026 · 12.75% APR · checked 4 times
12.25%12.75%13.25%Sep 30, 2026: 12.75% APRSep 30, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME, 04240
Signature (Unsecured) LoansTerm: 3 years
12.75%
▼
APR12.75%
Term3 years
Last UpdatedNot available
Details

As Low As; Maximum loan amount is $20,000

Rate History
No change since Sep 14, 2026 · 12.75% APR · checked 6 times
12.25%12.75%13.25%Sep 14, 2026: 12.75% APRSep 14, 2026Oct 13, 2026
MyCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
2 Ledgeview Dr, Westbrook, ME, 04092 3939
PersonalTerm: 36 Months
12.99%
▼
APR12.99%
Term36 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 25, 2026 · 12.99% APR · checked 4 times
12.49%12.99%13.49%Sep 25, 2026: 12.99% APRSep 25, 2026Oct 13, 2026
Brewer Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
77 N Main St, Brewer, ME, 04412 2009
Unsecured LoansTerm: 48 months
12.99%
▼
APR12.99%
Term48 months
Last UpdatedNot available
Details

As Low As; APR varies based on creditworthiness, selected term, and collateral qualifications

Rate History
No change since Sep 14, 2026 · 12.99% APR · checked 9 times
12.49%12.99%13.49%Sep 14, 2026: 12.99% APRSep 14, 2026Oct 13, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
73 Main St, Dexter, ME, 04930
Personal LoansTerm: 1 - 60 months
12.99%
▼
APR12.99%
Term1 - 60 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 12.99% APR · checked 7 times
12.49%12.99%13.49%Sep 14, 2026: 12.99% APRSep 14, 2026Oct 13, 2026
Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
2 Middle Rd, Sabattus, ME, 04280
Unsecured LoansTerm: 60 Months
12.99%
▼
APR12.99%
Term60 Months
Last UpdatedNot available
Details

As Low As; Rates shown for new loans only; Unsecured loans are personal loans not secured with collateral

Rate History
No change since Oct 9, 2026 · 12.99% APR · checked 2 times
12.49%12.99%13.49%Oct 9, 2026: 12.99% APROct 9, 2026Oct 13, 2026
Capital Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
2010 N Belfast ave, Augusta, ME, 04330
Unsecured Loan
13.25%
▼
APR13.25%
TermN/A
Last UpdatedNot available
Details

Credit Tier: B; Credit Score Tier 630-679; Unsecured loans without collateral, guaranteed by a person/signature; 0.50% added on loans over $5,000

Rate History
No change since Oct 12, 2026 · 13.25% APR
12.75%13.25%13.75%Oct 12, 2026: 13.25% APROct 12, 2026Oct 13, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
55 Cushing ST, Brunswick, ME, 04011
Personal LoanTerm: 60 Months
13.75%
▼
APR13.75%
Term60 Months
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 30, 2026 · 13.75% APR · checked 4 times
13.25%13.75%14.25%Sep 30, 2026: 13.75% APRSep 30, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME, 04240
Signature (Unsecured) LoansTerm: 4 years
13.75%
▼
APR13.75%
Term4 years
Last UpdatedNot available
Details

As Low As; Maximum loan amount is $20,000

Rate History
No change since Sep 14, 2026 · 13.75% APR · checked 6 times
13.25%13.75%14.25%Sep 14, 2026: 13.75% APRSep 14, 2026Oct 13, 2026
Brewer Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
77 N Main St, Brewer, ME, 04412 2009
Unsecured LoansTerm: 60 months
13.99%
▼
APR13.99%
Term60 months
Last UpdatedNot available
Details

As Low As; APR varies based on creditworthiness, selected term, and collateral qualifications

Rate History
No change since Sep 17, 2026 · 13.99% APR · checked 8 times
13.49%13.99%14.49%Sep 17, 2026: 13.99% APRSep 17, 2026Oct 13, 2026
Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
2 Middle Rd, Sabattus, ME, 04280
Unsecured LoansTerm: 72 Months
13.99%
▼
APR13.99%
Term72 Months
Last UpdatedNot available
Details

As Low As; Rates shown for new loans only; Unsecured loans are personal loans not secured with collateral

Rate History
No change since Oct 9, 2026 · 13.99% APR · checked 2 times
13.49%13.99%14.49%Oct 9, 2026: 13.99% APROct 9, 2026Oct 13, 2026
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
312 Main St, Saco, ME, 04072 1515
Personal LoanTerm: 24 Months
14.24%
▼
APR14.24%
Interest Rate12.99%
Term24 Months
Last UpdatedNot available
Details

Credit Builder Loan provides funds for shared secured loan to help build or rebuild credit. Fees, amount financed and actual term may affect the actual APR and rate of your loan. SVCU loans are done using risk-based pricing to determine the interest rate and are based on the borrowers term and credit worthiness. All rates and loans are subject to credit approval. Other terms and rates may be available. Contact an SVCU loan officer for more information.

Rate History
No change since Oct 10, 2026 · 14.24% APR
13.74%14.24%14.74%Oct 10, 2026: 14.24% APROct 10, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME, 04240
One Payment - Unsecured LoanTerm: 12 Months
14.50%
▼
APR14.50%
Term12 Months
Last UpdatedNot available
Details

As Low As; Auto Term Guide; One Payment Notes; Type: Unsecured

Rate History
No change since Oct 13, 2026 · 14.50% APR
14.00%14.50%15.00%Oct 13, 2026: 14.50% APROct 13, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME, 04240
One Payment Notes - Unsecured LoanTerm: 12 Months
14.50%
▼
APR14.50%
Term12 Months
Last UpdatedNot available
Details

As Low As; Type: Unsecured

Rate History
No change since Oct 13, 2026 · 14.50% APR
14.00%14.50%15.00%Oct 13, 2026: 14.50% APROct 13, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME, 04240
Signature (Unsecured) LoansTerm: 5 years
14.75%
▼
APR14.75%
Term5 years
Last UpdatedNot available
Details

As Low As; Maximum loan amount is $20,000

Rate History
No change since Sep 14, 2026 · 14.75% APR · checked 6 times
14.25%14.75%15.25%Sep 14, 2026: 14.75% APRSep 14, 2026Oct 13, 2026
MyCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
2 Ledgeview Dr, Westbrook, ME, 04092 3939
PersonalTerm: 60 Months
14.99%
▼
APR14.99%
Term60 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 25, 2026 · 14.99% APR · checked 4 times
14.49%14.99%15.49%Sep 25, 2026: 14.99% APRSep 25, 2026Oct 13, 2026
Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
2 Middle Rd, Sabattus, ME, 04280
Unsecured LoansTerm: 84 Months
14.99%
▼
APR14.99%
Term84 Months
Last UpdatedNot available
Details

As Low As; Rates shown for new loans only; Unsecured loans are personal loans not secured with collateral

Rate History
No change since Oct 9, 2026 · 14.99% APR · checked 2 times
14.49%14.99%15.49%Oct 9, 2026: 14.99% APROct 9, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
145 Main St, Biddeford, ME, 04005
Signature LoanTerm: 60-month
14.99%
▼
APR14.99%
Term60-month
Last UpdatedNot available
Details

APR=Annual Percentage Rate. Payments listed are examples only. Payment examples are based on a personal loan with a 60-month term & APR above, calculating the payment per $1,000. Interest rates determined by individual credit history. The "As Low As" rates quoted here are for credit scores of 740+. Rates, terms, & conditions subject to change at any time. The rate listed indicates automatic payment made electronically (not using cash, coupon book or check mailed to credit union to repay your loan). Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).

Rate History
No change since Sep 27, 2026 · 14.99% APR · checked 2 times
14.49%14.99%15.49%Sep 27, 2026: 14.99% APRSep 27, 2026Oct 13, 2026
Capital Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
2010 N Belfast ave, Augusta, ME, 04330
Unsecured Loan
16.00%
▼
APR16.00%
TermN/A
Last UpdatedNot available
Details

Credit Tier: C; Credit Score Tier 600-629; Unsecured loans without collateral, guaranteed by a person/signature; 0.50% added on loans over $5,000

Rate History
No change since Oct 12, 2026 · 16.00% APR
15.50%16.00%16.50%Oct 12, 2026: 16.00% APROct 12, 2026Oct 13, 2026
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
30 Lisbon St, Lewiston, ME, 04240
Personal Unsecured LoansTerm: Maximum of 3 years
16.39%
▼
APR16.39%
Interest Rate15.50%
TermMaximum of 3 years
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 15, 2026 · 16.39% APR · checked 8 times
15.89%16.39%16.89%Sep 15, 2026: 16.39% APRSep 15, 2026Oct 13, 2026
Lincoln Maine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
171 W BROADWAY, LINCOLN, ME, 04457
Personal Loan - My Link Program Member
17.50%
▼
APR17.50%
TermN/A
Last UpdatedNot available
Details

Credit Rating: 550-599; Grade: D

Rate History
No change since Oct 13, 2026 · 17.50% APR
17.00%17.50%18.00%Oct 13, 2026: 17.50% APROct 13, 2026Oct 13, 2026
Capital Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
2010 N Belfast ave, Augusta, ME, 04330
Unsecured Loan
17.99%
▼
APR17.99%
TermN/A
Last UpdatedNot available
Details

Credit Tier: D; Credit Score Tier 599 and below; Unsecured loans without collateral, guaranteed by a person/signature; 0.50% added on loans over $5,000

Rate History
No change since Oct 12, 2026 · 17.99% APR
17.49%17.99%18.49%Oct 12, 2026: 17.99% APROct 12, 2026Oct 13, 2026
Lincoln Maine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
171 W BROADWAY, LINCOLN, ME, 04457
Personal Loan
18.00%
▼
APR18.00%
TermN/A
Last UpdatedNot available
Details

Credit Rating: 550-599; Grade: D

Rate History
No change since Sep 14, 2026 · 18.00% APR · checked 9 times
17.50%18.00%18.50%Sep 14, 2026: 18.00% APRSep 14, 2026Oct 13, 2026

Maine Personal Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
5 Widgery Wharf Fl 3, Portland, ME, 04101
Personal Loan UnsecuredTerm: 36 months
6.99%
▼
APR6.99%
Term36 months
Last UpdatedNot available
Details

Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000, minimum credit score is 730, and maximum term is 36 months. Payment Examples: On a $7,500 loan, the payment would be $231.54 per month for 36 months with a 6.99% APR.

Rate History
1 change since Sep 15, 2026 · 9.04% → 6.99% ▼ 2.05 pts · high 9.04% / low 6.99%
4.94%8.02%11.09%Sep 15, 2026: 9.04% APROct 7, 2026: 6.99% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.99%▼ from 9.04%
  • Sep 15, 20269.04%first recorded
Trademark Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
44 Edison Dr, Augusta, ME, 04330 6033
Personal Loan
6.99%
▼
APR6.99%
TermN/A
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 16, 2026 · 6.99% APR · checked 5 times
6.49%6.99%7.49%Sep 16, 2026: 6.99% APRSep 16, 2026Oct 13, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1345 Washington Ave, Portland, ME, 04103
Personal Loans
7.50%
▼
APR7.50%
TermN/A
Last UpdatedNot available
Details

As Low As; Featured rate on homepage

Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 8 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
333 Cottage Rd, South Portland, ME, 04106 3919
Personal LoansTerm: 12 months
7.75%
▼
APR7.75%
Term12 months
Last UpdatedNot available
Details

As low as; Loan Amount: $2501 and Over

Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 5 times
7.25%7.75%8.25%Sep 14, 2026: 7.75% APRSep 14, 2026Oct 13, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
333 Cottage Rd, South Portland, ME, 04106 3919
Personal LoansTerm: 18 months
7.85%
▼
APR7.85%
Term18 months
Last UpdatedNot available
Details

As low as; Loan Amount: $2501 and Over

Rate History
No change since Sep 14, 2026 · 7.85% APR · checked 5 times
7.35%7.85%8.35%Sep 14, 2026: 7.85% APRSep 14, 2026Oct 13, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
333 Cottage Rd, South Portland, ME, 04106 3919
Personal LoansTerm: 24 months
7.95%
▼
APR7.95%
Term24 months
Last UpdatedNot available
Details

As low as; Loan Amount: $2501 and Over

Rate History
No change since Sep 14, 2026 · 7.95% APR · checked 5 times
7.45%7.95%8.45%Sep 14, 2026: 7.95% APRSep 14, 2026Oct 13, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation LoansTerm: Up to 12 Months
7.99%
▼
APR7.99%
TermUp to 12 Months
Last UpdatedNot available
Details

As Low As; Minimum loan amount $500; Maximum loan amount $30,000; Stated rate is based on certain creditworthiness criteria

Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 6 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
333 Cottage Rd, South Portland, ME, 04106 3919
Personal LoansTerm: 30 months
8.20%
▼
APR8.20%
Term30 months
Last UpdatedNot available
Details

As low as; Loan Amount: $2501 and Over

Rate History
No change since Sep 14, 2026 · 8.20% APR · checked 5 times
7.70%8.20%8.70%Sep 14, 2026: 8.20% APRSep 14, 2026Oct 13, 2026
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
505 SOMERSET AVE, PITTSFIELD, ME, 04967
Personal LoanTerm: Up to 60 months
8.25%
▼
APR8.25%
TermUp to 60 months
Last UpdatedNot available
Details

As Low As; Payment per $1,000 not extracted

Rate History
No change since Sep 12, 2026 · 8.25% APR · checked 8 times
7.75%8.25%8.75%Sep 12, 2026: 8.25% APRSep 12, 2026Oct 13, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
333 Cottage Rd, South Portland, ME, 04106 3919
Personal LoansTerm: 36 months
8.49%
▼
APR8.49%
Term36 months
Last UpdatedNot available
Details

As low as; Loan Amount: $2501 and Over

Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 5 times
7.99%8.49%8.99%Sep 14, 2026: 8.49% APRSep 14, 2026Oct 13, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation LoansTerm: Up to 24 Months
8.50%
▼
APR8.50%
TermUp to 24 Months
Last UpdatedNot available
Details

As Low As; Minimum loan amount $500; Maximum loan amount $30,000; Stated rate is based on certain creditworthiness criteria

Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 6 times
8.00%8.50%9.00%Sep 14, 2026: 8.50% APRSep 14, 2026Oct 13, 2026
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
225 RIVER RD, MEXICO, ME, 04257
Personal LoanTerm: 0 - 60 Months
8.89%
▼
APR8.89%
Term0 - 60 Months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 16, 2026 · 8.89% APR · checked 5 times
8.39%8.89%9.39%Sep 16, 2026: 8.89% APRSep 16, 2026Oct 13, 2026
KSW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.84%
222 College Ave, Waterville, ME, 04901 6226
Personal Loans
8.99%
▼
APR8.99%
TermN/A
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 6 times
8.49%8.99%9.49%Sep 14, 2026: 8.99% APRSep 14, 2026Oct 13, 2026
Lincoln Maine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
171 W BROADWAY, LINCOLN, ME, 04457
Personal Loan - My Link Program Member
8.99%
▼
APR8.99%
TermN/A
Last UpdatedNot available
Details

Credit Rating: 720+; Grade: A+

Rate History
No change since Oct 13, 2026 · 8.99% APR
8.49%8.99%9.49%Oct 13, 2026: 8.99% APROct 13, 2026Oct 13, 2026
Lincoln Maine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
171 W BROADWAY, LINCOLN, ME, 04457
Personal Loan - My Link Program Member
9.24%
▼
APR9.24%
TermN/A
Last UpdatedNot available
Details

Credit Rating: 680-719; Grade: A

Rate History
No change since Oct 13, 2026 · 9.24% APR
8.74%9.24%9.74%Oct 13, 2026: 9.24% APROct 13, 2026Oct 13, 2026
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
339 Hogan Rd, Bangor, ME, 04401 4205
Personal LoanTerm: up to 6 years
9.25%
▼
APR9.25%
Termup to 6 years
Last UpdatedNot available
Details

As Low As; Membership eligibility required

Rate History
No change since Sep 14, 2026 · 9.25% APR · checked 8 times
8.75%9.25%9.75%Sep 14, 2026: 9.25% APRSep 14, 2026Oct 13, 2026
Lincoln Maine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
171 W BROADWAY, LINCOLN, ME, 04457
Personal Loan
9.49%
▼
APR9.49%
TermN/A
Last UpdatedNot available
Details

Credit Rating: 720+; Grade: A+

Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 9 times
8.99%9.49%9.99%Sep 14, 2026: 9.49% APRSep 14, 2026Oct 13, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
333 Cottage Rd, South Portland, ME, 04106 3919
Personal LoansTerm: 48 months
9.49%
▼
APR9.49%
Term48 months
Last UpdatedNot available
Details

As low as; Loan Amount: $2501 and Over

Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 5 times
8.99%9.49%9.99%Sep 14, 2026: 9.49% APRSep 14, 2026Oct 13, 2026
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME, 04240
Unsecured Personal LoansTerm: 1 Year
9.50%
▼
APR9.50%
Term1 Year
Last UpdatedNot available
Details

As Low As; Based on credit score of 785 and higher

Rate History
No change since Sep 16, 2026 · 9.50% APR · checked 5 times
9.00%9.50%10.00%Sep 16, 2026: 9.50% APRSep 16, 2026Oct 13, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
831 Middle St, Bath, ME, 04530 2401
Personal LoansTerm: 1 year
9.74%
▼
APR9.74%
Term1 year
Last UpdatedNot available
Details

As Low As; Minimum Loan Amount: $300; Maximum Loan Amount: $25,000

Rate History
No change since Oct 13, 2026 · 9.74% APR
9.24%9.74%10.24%Oct 13, 2026: 9.74% APROct 13, 2026Oct 13, 2026
Lincoln Maine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
171 W BROADWAY, LINCOLN, ME, 04457
Personal Loan
9.74%
▼
APR9.74%
TermN/A
Last UpdatedNot available
Details

Credit Rating: 680-719; Grade: A

Rate History
No change since Sep 14, 2026 · 9.74% APR · checked 9 times
9.24%9.74%10.24%Sep 14, 2026: 9.74% APRSep 14, 2026Oct 13, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
333 Cottage Rd, South Portland, ME, 04106 3919
Personal LoansTerm: 60 months
9.74%
▼
APR9.74%
Term60 months
Last UpdatedNot available
Details

As low as; Loan Amount: $2501 and Over

Rate History
No change since Sep 14, 2026 · 9.74% APR · checked 5 times
9.24%9.74%10.24%Sep 14, 2026: 9.74% APRSep 14, 2026Oct 13, 2026
Lincoln Maine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
171 W BROADWAY, LINCOLN, ME, 04457
Personal Loan - My Link Program Member
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

Credit Rating: 640-679; Grade: B

Rate History
No change since Oct 13, 2026 · 9.99% APR
9.49%9.99%10.49%Oct 13, 2026: 9.99% APROct 13, 2026Oct 13, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation LoansTerm: Up to 36 Months
9.99%
▼
APR9.99%
TermUp to 36 Months
Last UpdatedNot available
Details

As Low As; Minimum loan amount $500; Maximum loan amount $30,000; Stated rate is based on certain creditworthiness criteria

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
23 Third Ave, Baileyville, ME, 04694
Personal LoansTerm: Up to 72 Months
9.99%
▼
APR9.99%
TermUp to 72 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME, 04240
Unsecured Personal LoansTerm: 2 Years
10.00%
▼
APR10.00%
Term2 Years
Last UpdatedNot available
Details

As Low As; Based on credit score of 785 and higher

Rate History
No change since Sep 16, 2026 · 10.00% APR · checked 5 times
9.50%10.00%10.50%Sep 16, 2026: 10.00% APRSep 16, 2026Oct 13, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
831 Middle St, Bath, ME, 04530 2401
Personal LoansTerm: 2 years
10.49%
▼
APR10.49%
Term2 years
Last UpdatedNot available
Details

As Low As; Minimum Loan Amount: $1,500; Maximum Loan Amount: $25,000

Rate History
No change since Oct 13, 2026 · 10.49% APR
9.99%10.49%10.99%Oct 13, 2026: 10.49% APROct 13, 2026Oct 13, 2026
Lincoln Maine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
171 W BROADWAY, LINCOLN, ME, 04457
Personal Loan
10.49%
▼
APR10.49%
TermN/A
Last UpdatedNot available
Details

Credit Rating: 640-679; Grade: B

Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 9 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
225 Riverside St, Portland, ME, 04103 1038
Personal LoanTerm: Up to 48 months
10.49%
▼
APR10.49%
TermUp to 48 months
Last UpdatedNot available
Details

As low as*

Rate History
No change since Sep 18, 2026 · 10.49% APR · checked 5 times
9.99%10.49%10.99%Sep 18, 2026: 10.49% APRSep 18, 2026Oct 13, 2026
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME, 04240
Unsecured Personal LoansTerm: 3 Years
10.50%
▼
APR10.50%
Term3 Years
Last UpdatedNot available
Details

As Low As; Based on credit score of 785 and higher

Rate History
No change since Sep 16, 2026 · 10.50% APR · checked 5 times
10.00%10.50%11.00%Sep 16, 2026: 10.50% APRSep 16, 2026Oct 13, 2026
Maine Solutions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
209 Western Ave Unit B, South Portland, ME, 04106
Personal Loan (Unsecured)Term: 60 months
10.50%
▼
APR10.50%
Term60 months
Last UpdatedNot available
Details

As Low As; Loan amount $500-$25000; Add 0.25% to rate if NOT paid via payroll deduction; A $100 loan refinance fee applies to most vehicle and personal loans - some restrictions apply

Rate History
No change since Oct 5, 2026 · 10.50% APR · checked 3 times
10.00%10.50%11.00%Oct 5, 2026: 10.50% APROct 5, 2026Oct 13, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation LoansTerm: Up to 48 Months
10.50%
▼
APR10.50%
TermUp to 48 Months
Last UpdatedNot available
Details

As Low As; Minimum loan amount $500; Maximum loan amount $30,000; Stated rate is based on certain creditworthiness criteria

Rate History
No change since Sep 14, 2026 · 10.50% APR · checked 6 times
10.00%10.50%11.00%Sep 14, 2026: 10.50% APRSep 14, 2026Oct 13, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
55 Cushing ST, Brunswick, ME, 04011
Personal LoanTerm: 12 Months
10.75%
▼
APR10.75%
Term12 Months
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 30, 2026 · 10.75% APR · checked 4 times
10.25%10.75%11.25%Sep 30, 2026: 10.75% APRSep 30, 2026Oct 13, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
831 Middle St, Bath, ME, 04530 2401
Personal LoansTerm: 4 years
10.99%
▼
APR10.99%
Term4 years
Last UpdatedNot available
Details

As Low As; Minimum Loan Amount: $2,500; Maximum Loan Amount: $25,000

Rate History
No change since Oct 13, 2026 · 10.99% APR
10.49%10.99%11.49%Oct 13, 2026: 10.99% APROct 13, 2026Oct 13, 2026
Maine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
200 Capitol St, Augusta, ME, 04330 6238
Personal LoanTerm: 60 Months
10.99%
▼
APR10.99%
Term60 Months
Last UpdatedNot available
Details

As Low As; Rate shown is "as low as" rate, actual rate determined by credit qualifications; Effective As of 10/13/2026

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 6 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation LoansTerm: Up to 60 Months
10.99%
▼
APR10.99%
TermUp to 60 Months
Last UpdatedNot available
Details

As Low As; Minimum loan amount $500; Maximum loan amount $30,000; Stated rate is based on certain creditworthiness criteria

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 6 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
831 Middle St, Bath, ME, 04530 2401
Personal LoansTerm: 6 years
11.49%
▼
APR11.49%
Term6 years
Last UpdatedNot available
Details

As Low As; Minimum Loan Amount: $15,000; Maximum Loan Amount: $25,000

Rate History
No change since Oct 13, 2026 · 11.49% APR
10.99%11.49%11.99%Oct 13, 2026: 11.49% APROct 13, 2026Oct 13, 2026
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME, 04240
Unsecured Personal LoansTerm: 4 Years
11.50%
▼
APR11.50%
Term4 Years
Last UpdatedNot available
Details

As Low As; Based on credit score of 785 and higher

Rate History
No change since Sep 16, 2026 · 11.50% APR · checked 5 times
11.00%11.50%12.00%Sep 16, 2026: 11.50% APRSep 16, 2026Oct 13, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
78 Fox St, Madawaska, ME, 04756
Personal LoansTerm: Up to 60 months
11.90%
▼
APR11.90%
TermUp to 60 months
Last UpdatedNot available
Details

As Low As; max loan $10,000

Rate History
No change since Oct 12, 2026 · 11.90% APR
11.40%11.90%12.40%Oct 12, 2026: 11.90% APROct 12, 2026Oct 13, 2026
Lincoln Maine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
171 W BROADWAY, LINCOLN, ME, 04457
Personal Loan - My Link Program Member
11.99%
▼
APR11.99%
TermN/A
Last UpdatedNot available
Details

Credit Rating: 600-639; Grade: C

Rate History
No change since Oct 13, 2026 · 11.99% APR
11.49%11.99%12.49%Oct 13, 2026: 11.99% APROct 13, 2026Oct 13, 2026
Lincoln Maine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
171 W BROADWAY, LINCOLN, ME, 04457
Personal Loan
12.49%
▼
APR12.49%
TermN/A
Last UpdatedNot available
Details

Credit Rating: 600-639; Grade: C

Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 9 times
11.99%12.49%12.99%Sep 14, 2026: 12.49% APRSep 14, 2026Oct 13, 2026
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME, 04240
Unsecured Personal LoansTerm: 5 Years
12.50%
▼
APR12.50%
Term5 Years
Last UpdatedNot available
Details

As Low As; Based on credit score of 785 and higher

Rate History
No change since Sep 16, 2026 · 12.50% APR · checked 5 times
12.00%12.50%13.00%Sep 16, 2026: 12.50% APRSep 16, 2026Oct 13, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
55 Cushing ST, Brunswick, ME, 04011
Personal LoanTerm: 36 Months
12.75%
▼
APR12.75%
Term36 Months
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 30, 2026 · 12.75% APR · checked 4 times
12.25%12.75%13.25%Sep 30, 2026: 12.75% APRSep 30, 2026Oct 13, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
73 Main St, Dexter, ME, 04930
Personal LoansTerm: 1 - 60 months
12.99%
▼
APR12.99%
Term1 - 60 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 12.99% APR · checked 7 times
12.49%12.99%13.49%Sep 14, 2026: 12.99% APRSep 14, 2026Oct 13, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
55 Cushing ST, Brunswick, ME, 04011
Personal LoanTerm: 60 Months
13.75%
▼
APR13.75%
Term60 Months
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 30, 2026 · 13.75% APR · checked 4 times
13.25%13.75%14.25%Sep 30, 2026: 13.75% APRSep 30, 2026Oct 13, 2026
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
312 Main St, Saco, ME, 04072 1515
Personal LoanTerm: 24 Months
14.24%
▼
APR14.24%
Interest Rate12.99%
Term24 Months
Last UpdatedNot available
Details

Credit Builder Loan provides funds for shared secured loan to help build or rebuild credit. Fees, amount financed and actual term may affect the actual APR and rate of your loan. SVCU loans are done using risk-based pricing to determine the interest rate and are based on the borrowers term and credit worthiness. All rates and loans are subject to credit approval. Other terms and rates may be available. Contact an SVCU loan officer for more information.

Rate History
No change since Oct 10, 2026 · 14.24% APR
13.74%14.24%14.74%Oct 10, 2026: 14.24% APROct 10, 2026Oct 13, 2026
Lincoln Maine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
171 W BROADWAY, LINCOLN, ME, 04457
Personal Loan - My Link Program Member
17.50%
▼
APR17.50%
TermN/A
Last UpdatedNot available
Details

Credit Rating: 550-599; Grade: D

Rate History
No change since Oct 13, 2026 · 17.50% APR
17.00%17.50%18.00%Oct 13, 2026: 17.50% APROct 13, 2026Oct 13, 2026
Lincoln Maine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
171 W BROADWAY, LINCOLN, ME, 04457
Personal Loan
18.00%
▼
APR18.00%
TermN/A
Last UpdatedNot available
Details

Credit Rating: 550-599; Grade: D

Rate History
No change since Sep 14, 2026 · 18.00% APR · checked 9 times
17.50%18.00%18.50%Sep 14, 2026: 18.00% APRSep 14, 2026Oct 13, 2026

Maine Debt Consolidation Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation LoansTerm: Up to 12 Months
7.99%
▼
APR7.99%
TermUp to 12 Months
Last UpdatedNot available
Details

As Low As; Minimum loan amount $500; Maximum loan amount $30,000; Stated rate is based on certain creditworthiness criteria

Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 6 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation LoansTerm: Up to 24 Months
8.50%
▼
APR8.50%
TermUp to 24 Months
Last UpdatedNot available
Details

As Low As; Minimum loan amount $500; Maximum loan amount $30,000; Stated rate is based on certain creditworthiness criteria

Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 6 times
8.00%8.50%9.00%Sep 14, 2026: 8.50% APRSep 14, 2026Oct 13, 2026
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
85 Civic Center Drive, AUGUSTA, ME, 04330
Personal & Debt Consolidation LoanTerm: Up to 60 months
9.95%
▼
APR9.95%
TermUp to 60 months
Last UpdatedNot available
Details

As Low As; Maximum Amount: $10,000

Rate History
No change since Sep 14, 2026 · 9.95% APR · checked 6 times
9.45%9.95%10.45%Sep 14, 2026: 9.95% APRSep 14, 2026Oct 13, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation LoansTerm: Up to 36 Months
9.99%
▼
APR9.99%
TermUp to 36 Months
Last UpdatedNot available
Details

As Low As; Minimum loan amount $500; Maximum loan amount $30,000; Stated rate is based on certain creditworthiness criteria

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation LoansTerm: Up to 48 Months
10.50%
▼
APR10.50%
TermUp to 48 Months
Last UpdatedNot available
Details

As Low As; Minimum loan amount $500; Maximum loan amount $30,000; Stated rate is based on certain creditworthiness criteria

Rate History
No change since Sep 14, 2026 · 10.50% APR · checked 6 times
10.00%10.50%11.00%Sep 14, 2026: 10.50% APRSep 14, 2026Oct 13, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation LoansTerm: Up to 60 Months
10.99%
▼
APR10.99%
TermUp to 60 Months
Last UpdatedNot available
Details

As Low As; Minimum loan amount $500; Maximum loan amount $30,000; Stated rate is based on certain creditworthiness criteria

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 6 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
225 Riverside St, Portland, ME, 04103 1038
Debt Consolidation LoanTerm: Up to 48 months
11.74%
▼
APR11.74%
TermUp to 48 months
Last UpdatedNot available
Details

As low as*

Rate History
No change since Sep 18, 2026 · 11.74% APR · checked 5 times
11.24%11.74%12.24%Sep 18, 2026: 11.74% APRSep 18, 2026Oct 13, 2026

Maine Signature Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
291 Pine St, Lewiston, ME, 04240
Unsecured Personal/Signature Loan
7.99%
▼
APR7.99%
TermN/A
Last UpdatedNot available
Details

As Low As; Rates are determined by credit worthiness of the member, loan amount, and loan term

Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 7 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1000 Central St, Millinocket, ME, 04462 2101
Signature LoansTerm: Up to 60 months
9.99%
▼
APR9.99%
TermUp to 60 months
Last UpdatedNot available
Details

As Low As; Variable; Index: Prime (plus); Margin 2.99%; Payment per $1000 87.92 (12 months) not a rate

Rate History
1 change since Sep 14, 2026 · 9.74% → 9.99% ▲ 0.25 pts · high 9.99% / low 9.74%
9.24%9.87%10.49%Sep 14, 2026: 9.74% APROct 4, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
  • Oct 4, 20269.99%▲ from 9.74%
  • Sep 14, 20269.74%first recorded
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
Portsmouth Naval Shipyard, Kittery, ME, 03904
Signature Loan (Personal)Term: Up to 84-Months
11.69%
▼
APR11.69%
TermUp to 84-Months
Last UpdatedNot available
Details

$75,000 Maximum

Rate History
No change since Sep 14, 2026 · 11.69% APR · checked 6 times
11.19%11.69%12.19%Sep 14, 2026: 11.69% APRSep 14, 2026Oct 13, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
61 Grove St, Waterville, ME, 04901
Personal/Signature LoansTerm: Up to 60 months
12.24%
▼
APR12.24%
TermUp to 60 months
Last UpdatedNot available
Details

As Low As; Maximum loan amount is $30,000; APR varies based on credit score and selected term

Rate History
No change since Sep 14, 2026 · 12.24% APR · checked 9 times
11.74%12.24%12.74%Sep 14, 2026: 12.24% APRSep 14, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME, 04240
Signature (Unsecured) LoansTerm: 1 year
12.25%
▼
APR12.25%
Term1 year
Last UpdatedNot available
Details

As Low As; Maximum loan amount is $20,000

Rate History
No change since Sep 18, 2026 · 12.25% APR · checked 5 times
11.75%12.25%12.75%Sep 18, 2026: 12.25% APRSep 18, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME, 04240
Signature (Unsecured) LoansTerm: 3 years
12.75%
▼
APR12.75%
Term3 years
Last UpdatedNot available
Details

As Low As; Maximum loan amount is $20,000

Rate History
No change since Sep 14, 2026 · 12.75% APR · checked 6 times
12.25%12.75%13.25%Sep 14, 2026: 12.75% APRSep 14, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME, 04240
Signature (Unsecured) LoansTerm: 4 years
13.75%
▼
APR13.75%
Term4 years
Last UpdatedNot available
Details

As Low As; Maximum loan amount is $20,000

Rate History
No change since Sep 14, 2026 · 13.75% APR · checked 6 times
13.25%13.75%14.25%Sep 14, 2026: 13.75% APRSep 14, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME, 04240
Signature (Unsecured) LoansTerm: 5 years
14.75%
▼
APR14.75%
Term5 years
Last UpdatedNot available
Details

As Low As; Maximum loan amount is $20,000

Rate History
No change since Sep 14, 2026 · 14.75% APR · checked 6 times
14.25%14.75%15.25%Sep 14, 2026: 14.75% APRSep 14, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
145 Main St, Biddeford, ME, 04005
Signature LoanTerm: 60-month
14.99%
▼
APR14.99%
Term60-month
Last UpdatedNot available
Details

APR=Annual Percentage Rate. Payments listed are examples only. Payment examples are based on a personal loan with a 60-month term & APR above, calculating the payment per $1,000. Interest rates determined by individual credit history. The "As Low As" rates quoted here are for credit scores of 740+. Rates, terms, & conditions subject to change at any time. The rate listed indicates automatic payment made electronically (not using cash, coupon book or check mailed to credit union to repay your loan). Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).

Rate History
No change since Sep 27, 2026 · 14.99% APR · checked 2 times
14.49%14.99%15.49%Sep 27, 2026: 14.99% APRSep 27, 2026Oct 13, 2026

Maine Personal Loan Rate Trends

Compare local Maine personal loan rates against the statewide average

Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Maine Personal Loan Trends
Personal Loan ME Avg
10.572%
▼ 0.001 vs 7 days ago

Maine personal loan rates fell 0.001 points over the past 7 days to 10.572% APR.

Signature Loan ME Avg
11.085%
▲ 0.435 vs 7 days ago

Maine signature loan rates rose 0.435 points over the past 7 days to 11.085% APR.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates

Maine Personal Loan Rate Forecast, Next 12 Months

Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Maine figures.

Current Personal Loan Avg
10.57%
APR, as of Oct 13, 2026
6-Month Forecast
10.65%
Fed hold assumed
12-Month Forecast
10.72%
Range: 10.37% to 10.92%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Powered byMonitorBankRates

What Would Your Monthly Payment Be?

Estimated monthly payments at the current ME average personal loan APR of 10.57%, across the terms lenders serving Maine most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.

Loan Amount 24 Months 36 Months 48 Months 60 Months
$5,000 $232.05/mo $162.68/mo $128.19/mo $107.65/mo
$10,000 $464.10/mo $325.37/mo $256.38/mo $215.30/mo
$15,000 $696.14/mo $488.05/mo $384.58/mo $322.95/mo
$25,000 $1,160.24/mo $813.41/mo $640.96/mo $538.24/mo
$35,000 $1,624.33/mo $1,138.78/mo $897.34/mo $753.54/mo

Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.

Powered byMonitorBankRates

Consolidating Credit Card Debt in Maine

Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the ME personal loan average versus a range of typical credit card APRs.

Repayment Option APR Monthly Payment Total Interest Interest Saved
Personal Loan (ME average) 10.57% $384.58 $3,460
Credit card at 18% APR 18.00% $440.62 $6,150 $2,690
Credit card at 22% APR 22.00% $472.59 $7,684 $4,225
Credit card at 26% APR 26.00% $505.76 $9,276 $5,817

The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.

How to Get the Best Personal Loan Rate in Maine

1

Prequalify With a Soft Credit Check

Most lenders serving Maine will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.

2

Compare APR, Not the Interest Rate

Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.

3

Check Local Credit Unions First

Credit unions consistently publish the lowest personal loan APRs in our Maine data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.

4

Borrow Only What You Need, for as Short a Term as You Can

Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.

A personal loan may not be the cheapest option for your situation
  • Buying a vehicle? A secured Maine auto loan will almost always beat an unsecured personal loan
  • Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
  • Not urgent? Building the money in a Maine high-yield savings account costs nothing and earns interest instead of paying it

Maine Financial Snapshot

Local demographics and economic context for borrowers. Source: U.S. Census Bureau

$44,488
Median Individual Earnings
National avg: $47,340
3.8%
Unemployment Rate
National avg: 4.8%
10.7%
Poverty Rate
National avg: 11.1%
$385/mo
Payment on a $15K / 48-mo Loan
At the ME average 10.57% APR

A $385 monthly loan payment is roughly 10.4% of the median individual income in Maine. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.

Personal Loan vs. Other Ways to Borrow

A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Maine.

Feature Personal Loan Credit Card 0% Balance Transfer Home Equity Loan / HELOC
Typical APR Level ● Mid, fixed ✗ Highest, variable ✓ 0% for a promo window ✓ Usually lowest
Collateral Required ✓ None ✓ None ✓ None ✗ Your home is at risk
Payment Predictability ✓ Fixed payment and payoff date ✗ Revolving, can last indefinitely ● Rate jumps when promo ends ● Fixed for loans, variable for HELOCs
Speed to Funding ✓ Often 1 to 3 business days ✓ Immediate if you hold the card ● Card approval plus transfer time ✗ Weeks (appraisal and closing)
Upfront Costs ● Origination fee up to ~10% ✓ None ● Transfer fee, typically 3 to 5% ● Closing costs possible
Best For Consolidation and one-off costs, no collateral Small balances paid in full monthly Debt you can clear inside the promo window Large projects when you have equity and time

General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.

Personal Loan Payment Calculator

Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current ME average, or click any rate on the right to apply it instantly.

$
%
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Total Interest Paid$0
Total of All Payments$0
Origination Fee$0
Cash You Actually Receive$0
Total Cost of Borrowing$0

Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Maine personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Maine directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Maine. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in ME.

Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.

Personal Loans for Bad Credit in Maine

A FICO score below 580 is considered poor and 580 to 669 is fair. You can still get a personal loan with bad credit, but expect an APR well above the best rates on this page, a smaller loan amount, or a request for collateral or a cosigner. Where you apply matters as much as your score.

Avg. personal loan APR we track: 11.02%Federal credit union cap: 18% APRCredit union PAL cap: 28% APR

Start With a Credit Union

Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027. Many weigh your income and membership history, not just your score.

Ask About a Payday Alternative Loan

Many federal credit unions offer PALs for small, short term needs, capped at 28% APR with an application fee of no more than $20. That is a fraction of what a payday lender charges.

Secure the Loan With Savings

A share secured or CD secured loan uses your own savings as collateral, so approval is easy and the APR is low. On time payments are reported to the credit bureaus and help rebuild your score.

Add a Cosigner or Co-borrower

A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.

Prequalify Before You Apply

Most lenders show an estimated rate with a soft credit check that does not affect your score. Compare APRs, including any origination fee, before you submit a full application.

Avoid Payday and Title Loans

The CFPB notes a typical payday fee of $15 per $100 equals an APR of almost 400% on a two week loan. A title loan puts your car at risk. A credit union loan costs far less.

See Personal Loans for Bad Credit

Frequently Asked Questions

What credit score do I need for a personal loan in Maine?

Most lenders in Maine require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Maine often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Maine require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.

Can I use a personal loan for debt consolidation in Maine?

Yes. Debt consolidation is one of the most common uses of personal loans in Maine. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.

Are credit unions or banks better for personal loans in Maine?

Credit unions in Maine often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.

What is an origination fee on a personal loan?

An origination fee is a one-time charge some lenders deduct from your loan proceeds, commonly 1% to 10% of the amount borrowed. On a $15,000 loan a 5% fee means you receive $14,250 but still owe interest on the full $15,000. The fee is built into the APR but not the interest rate, so compare lenders serving Maine on APR. Many credit unions charge no origination fee at all.

Does checking personal loan rates hurt my credit score?

Prequalifying does not. Most lenders let you check an estimated rate with a soft credit inquiry that is invisible to other lenders and does not affect your score. Only a formal application triggers a hard inquiry. If you submit several full applications, group them within a short shopping window so credit scoring models treat them as one rate-shopping event.

Can I pay off a personal loan early?

Most personal loans from banks and credit unions serving Maine carry no prepayment penalty, so paying early reduces your total interest. Confirm before signing, because a small number of lenders charge a prepayment fee or use precomputed interest, which removes the benefit of paying ahead of schedule.

Can I get a personal loan with bad credit in Maine?

Yes. Credit unions, community banks, and some online lenders approve borrowers with fair or poor credit, often for smaller amounts or with a cosigner or collateral. A secured loan backed by your savings or a CD is the easiest approval and also helps rebuild your credit.

What is the maximum APR on a bad credit personal loan from a credit union?

Federal credit unions are limited to 18% APR on most loans through September 10, 2027. Payday alternative loans from federal credit unions are capped at 28% APR with an application fee of no more than $20. State chartered credit unions follow state law, and other lenders can charge much more, so always compare the APR.

What are the best personal loan rates in Maine?

  • NBT Bank: 6.99% (Personal Loan Unsecured)
  • Trademark Federal Credit Union: 6.99% (Personal Loan)
  • Milestones Federal Credit Union: 7.50% (Consolidation Loan)
  • Cumberland County Federal Credit Union: 7.50% (Personal Loans)
  • Coast Line Credit Union: 7.75% (Personal Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Maine. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 13, 2026.

Maine Rates & Resources

Cities in Maine

  • Abbot
  • Acton
  • Addison
  • Albion
  • Alfred
  • Alna
  • Andover
  • Anson
  • Ashland
  • Athens
  • Auburn
  • Augusta
  • Aurora
  • Bailey Island
  • Baileyville
  • Bangor
  • Bar Harbor
  • Bar Mills
  • Bass Harbor
  • Bath
  • Bayville
  • Beals
  • Belfast
  • Belgrade
  • Belgrade Lakes
  • Benedicta
  • Bernard
  • Berwick
  • Bethel
  • Biddeford
  • Biddeford Pool
  • Bingham
  • Birch Harbor
  • Blaine
  • Blue Hill
  • Blue Hill Falls
  • Boothbay
  • Boothbay Harbor
  • Bowdoin
  • Bowdoinham
  • Bradford
  • Bradley
  • Bremen
  • Brewer
  • Bridgewater
  • Bridgton
  • Bristol
  • Brooklin
  • Brooks
  • Brooksville
  • Brookton
  • Brownfield
  • Brownville
  • Brownville Junction
  • Brunswick
  • Bryant Pond
  • Buckfield
  • Bucksport
  • Burlington
  • Burnham
  • Bustins Island
  • Calais
  • Cambridge
  • Camden
  • Canaan
  • Canton
  • Cape Elizabeth
  • Cape Neddick
  • Cape Porpoise
  • Caratunk
  • Cardville
  • Caribou
  • Carmel
  • Cary
  • Casco
  • Castine
  • Center Lovell
  • Chamberlain
  • Charleston
  • Chebeague Island
  • Cherryfield
  • China
  • Clayton Lake
  • Cliff Island
  • Clinton
  • Columbia Falls
  • Coopers Mills
  • Corea
  • Corinna
  • Corinth
  • Cornish
  • Costigan
  • Cranberry Isles
  • Crouseville
  • Cumberland Center
  • Cumberland Foreside
  • Cushing
  • Cutler
  • Damariscotta
  • Danforth
  • Danville
  • Deer Isle
  • Denmark
  • Dennysville
  • Detroit
  • Dexter
  • Dixfield
  • Dixmont
  • Dover Foxcroft
  • Dresden
  • Dryden
  • Durham
  • Eagle Lake
  • East Andover
  • East Baldwin
  • East Blue Hill
  • East Boothbay
  • East Dixfield
  • East Livermore
  • East Machias
  • East Millinocket
  • East Newport
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