Best Personal Loan Rates in Lincoln, Maine (ME) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Lincoln, Maine include: Lincoln Maine Federal Credit UnionLincoln Maine Federal Credit Union171 W BROADWAY, LINCOLN, ME, 04457A5.0 ★Texas Ratio: 11.34% offering My Linc Loyalty Loan - Credit Check at 4.00% APR, Bangor Savings BankBangor Savings Bank4 Prospect Ave, Lincoln, ME, 04457A+5.0 ★Texas Ratio: 2.55% offering Investment Property Loan at 8.75% APR, WINTHROP AREAWINTHROP AREAA+5.0 ★Texas Ratio: 1.19% offering WAFCU Loan Special at 4.75% APR, Downeast Credit UnionDowneast Credit UnionA+5.0 ★Texas Ratio: 4.39% offering Recreational Loans at 4.89% APR, and Brewer Federal Credit UnionBrewer Federal Credit UnionA+5.0 ★Texas Ratio: 4.70% offering Winter Rescue Loan at 4.99% APR. Personal loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
Lincoln has 2 local institutions in our database, with personal loan rates as low as 4.00% APR from Lincoln Maine Federal Credit Union at 171 W BROADWAY, LINCOLN, ME, 04457. Use the tabs below to compare all available personal loan types. Rates are continually updated — 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 Lincoln, Maine.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Lincoln, 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: April 11, 2026
$1000; Qualified My Linc Program
$500; Qualified My Linc Program
As Low As; Up to 60 Months
Tiered based on credit score. As of 6/13/25, subject to change at any time.
As Low As; Rates subject to credit approval, terms and conditions subject to change at any time, based on individual creditworthiness. APR = Annual Percentage Rate, "up-to" subject to approval, "starting at" subject to creditworthiness. Accurate as of 12/3/25 subject to change at any time.
Tiered based on credit score. As of 6/13/25, subject to change at any time.
As Low As; Rates start at 6.75% APR*
As Low As; Heating & Winterization Loans have a tiered rate of 7.49% APR, with terms up to 60 months. Actual rate and approval are based on creditworthiness. Estimates may be required. Funds will be paid directly to the vendor or contractor. Loan subject to credit approval. Membership eligibility required. Other restrictions may apply.
Tiered based on credit score. As of 6/13/25, subject to change at any time.
Tiered based on credit score. As of 6/13/25, subject to change at any time.
Loan Amount ?$10,000; Collateral Type Investment Property (60% LTV) Max $250,000; (Prime + 2.00%)
Eligible My Link Program Member; Credit Rating 720+
Eligible My Link Program Member; Credit Rating 680-719
Credit Rating 720+
Credit Rating 680-719
Eligible My Link Program Member; Credit Rating 640-679
Credit Rating 640-679
Eligible My Link Program Member; Credit Rating 600-639
Credit Rating 600-639
Eligible My Link Program Member; Credit Rating 550-599
Credit Rating 550-599
$300.00 Visa® Gift Card!
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No additional details available.
No additional details available.
No additional details available.
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No additional details available.
No additional details available.
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As Low As; Your rate will be determined by your creditworthiness. 12 monthly payments of $86.52 per $1,000 borrowed at the As Low As rate and maximum term. Membership eligibility to join cPort is required.
As Low As
Available for a Limited Time Only
No additional details available.
As Low As; *APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
As Low As
As Low As; Loan Amount: $3,000 to $5,999
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As Low As; Loan Amount: $6,000 to $9,999
No additional details available.
As Low As; *APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
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As Low As; Loan Amount: $10,000 to $12,499
As Low As
No additional details available.
As Low As
90% Max Loan to Value; 0 Points
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As Low As
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As
No additional details available.
As Low As
As Low As; Loan Amount: $12,500 to $14,999
As Low As
90% Max Loan to Value; 0 Points
No additional details available.
No additional details available.
As Low As
As Low As
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As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
Limit $25,000 up to 20 yrs.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As
As Low As
As Low As; Loan Amount: $15,000 & up
As Low As
No additional details available.
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No additional details available.
As Low As; *APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
As Low As; Terms from 6 to 60 months
As Low As
No additional details available.
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As Low As; *APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
As Low As
As Low As; Index Used: Prime (plus); Margin Used (for "as low as rate"): 2.99%; Floor: The floor equals the margin in effect
As Low As
No additional details available.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As
As Low As; *APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
As Low As; Rates are fixed for the life of the loan.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As
No additional details available.
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$500-$25000 60 mos.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As
As Low As
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As Low As
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As Low As
No additional details available.
As Low As
As Low As
As Low As; Maximum loan amount is $30,000. Certain restrictions may apply.
Eligible My Link Program Member; Credit Rating 720+
Eligible My Link Program Member; Credit Rating 680-719
Credit Rating 720+
Credit Rating 680-719
Eligible My Link Program Member; Credit Rating 640-679
Credit Rating 640-679
Eligible My Link Program Member; Credit Rating 600-639
Credit Rating 600-639
Eligible My Link Program Member; Credit Rating 550-599
Credit Rating 550-599
As Low As
As Low As
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As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
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As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
No additional details available.
As Low As; Terms from 6 to 60 months
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As Low As
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
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$500-$25000 60 mos.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
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As Low As
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As Low As
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As
As Low As
As Low As; Index Used: Prime (plus); Margin Used (for "as low as rate"): 2.99%; Floor: The floor equals the margin in effect
As Low As; Maximum loan amount is $30,000. Certain restrictions may apply.
Lincoln, ME Personal Loan Rate Trends
Compare local Lincoln, ME 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.
Maine personal loan rates rose 0.425 points over the past 7 days to 10.789% APR.
Maine signature loan rates fell 0.923 points over the past 7 days to 11.089% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Maine?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Maine?
Are credit unions or banks better for personal loans in Lincoln, Maine?
What are the best personal loan rates in Lincoln, Maine?
- Lincoln Maine Federal Credit Union: 4.00% (My Linc Loyalty Loan - Credit Check)
- Bangor Savings Bank: 8.75% (Investment Property Loan)
- WINTHROP AREA: 4.75% (WAFCU Loan Special)
- Downeast Credit Union: 4.89% (Recreational Loans)
- Brewer Federal Credit Union: 4.99% (Winter Rescue Loan)
Personal Loan Calculators
