Best Personal Loan Rates in Saco, Maine - July 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 Saco, Maine include: Saco Valley Credit UnionSaco Valley Credit Union312 Main St, Saco, ME, 04072 1515A5.0 ★Texas Ratio: 5.97% offering Teen Credit Builder Loan at 5.20% APR, Saco & Biddeford SavingsSaco & Biddeford Savings252 Main St, Saco, ME, 04072A+5.0 ★Texas Ratio: 4.27% offering New (untitled) - 3 years Loan at 6.52% APR, Lighthouse Credit UnionLighthouse Credit Union1001 Portland Rd, Saco, ME, 04072A+5.0 ★Texas Ratio: 1.59% offering Credit Builder Loan at 7.69% APR, PeoplesChoice Credit UnionPeoplesChoice Credit Union23 Industrial Park Rd, Saco, ME, 04072 1804A5.0 ★Texas Ratio: 7.50% offering Unsecured Loans at 10.24% APR, and Town & Country Federal Credit UnionTown & Country Federal Credit Union52 Elm St, Saco, ME, 04072 2735A+5.0 ★Texas Ratio: 2.96% offering Personal Flex Loan at 10.74% APR. Personal loan rates as of July 28, 2026 according to verified data from MonitorBankRates.
Saco has 5 local institutions in our database, with personal loan rates as low as 5.20% APR from Saco Valley Credit Union at 312 Main St, Saco, ME, 04072 1515. 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 Saco, Maine.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Saco, 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: July 28, 2026
Saco Personal Loan Rates
Minimum Loan Amount: $500.00; Maximum Loan Amount: $2,000.00
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Minimum loan amount of $500; maximum loan amount of $2,000.
As Low As; Loans for less than $7,500 have a maximum term of 48 months and loans greater than $7,500 have a maximum term of 60 months. 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 borrower's term and creditworthiness. All rates and loans are subject to credit approval. Other terms and rates may be available. Contact an SVCU loan officer for more information.
As Low As; Maximum APR: Up to 18.00%
As Low As
$75,000 Maximum
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As Low As
Rates are effective 11/01/2023 and subject to change without notice. APR = Annual Percentage Rate. 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.
Maximum Loan Amount: $2,000.00. Rates are effective 11/01/2023 and subject to change without notice. APR = Annual Percentage Rate. 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.
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No credit check
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Loan-to-Value: Up to 110% financing
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Loan-to-Value: Up to 110% financing
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Loan is subject to underwriting, credit qualifications, and approval. Other restrictions may apply. Must be or become a member at Brewer FCU. $3,500 loan for 11 months @ 4.99% = approx. $326 per month.
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As Low As
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No additional details available.
Tiered based on credit score. As of 6/13/25, subject to change at any time.
No additional details available.
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No additional details available.
Loan-to-Value: Up to 110% financing
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84 monthly payments of $5.84, 276 monthly payments of $6.99
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Model Year: 2009 - 2020
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60 monthly payments of $5.60, 300 monthly payments of $6.91
As Low As; Loan to Value: Up To 110%
36 monthly payments of $5.76, 324 monthly payments of $7.08
As Low As; Up to 100% financing
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As Low As
No additional details available.
As Low As; Up to 100% financing
As Low As; Up to 100% financing
Loan-to-Value: Up to 110% financing
No additional details available.
Tiered based on credit score. As of 6/13/25, subject to change at any time.
With a loan amount of $100,000, you would have 180 monthly payments of $871.11
Rates As Low As
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As Low As; Loan to Value: Up To 110%
As Low As; Up to 100% financing
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Rates start at 6.75% APR*
Rates As Low As
As Low As; * **
As Low As; *APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Loan funds will be paid directly to supplier.
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; Loan funds will be paid directly to supplier.
As Low As
As Low As; Rate subject to change.
Model Year: 2009 - 2020 (Min $30k)
APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria.; Rates are fixed for the life of the loan.
As Low As
As Low As
As Low As; Rate subject to change.
As Low As
No additional details available.
Tiered based on credit score. As of 6/13/25, subject to change at any time.
No additional details available.
As Low As
As Low As; Loan funds will be paid directly to supplier.
APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria.; Rates are fixed for the life of the loan.
As Low As; *APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Loan funds will be paid directly to supplier.
As Low As
As Low As; Rate subject to change.
As Low As; Rate subject to change.
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As Low As; Rate subject to change.
As Low As; Rate subject to change.
As Low As; Loan Amount: $2501 and Over
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As Low As; Loan Amount: $2501 and Over
Rate as low as 7.9%APR
As Low As; Loan Amount: $2501 and Over
As Low As; One low fixed rate for purchases and cash advances
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As Low As
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; 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; Rate subject to change.
As Low As; Loan Amount: $2501 and Over
As Low As
As low as
As Low As; Rate subject to change.
No additional details available.
No additional details available.
As Low As; Loan Amount: $2501 and Over
No additional details available.
Tiered based on credit score. As of 6/13/25, subject to change at any time.
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; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As
As Low As
As Low As
Rates As Low As
As Low As; *
As low as
As Low As; Loan funds will be paid directly to supplier.
As Low As; *APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Loan funds will be paid directly to supplier.
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. Call 800-628-2265 for the actual APR for your loan.
No additional details available.
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As Low As
Rates As Low As
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As Low As; Loan Amount: $2501 and Over
Eligible My Link Program Member: 8.99%
As Low As; Loan funds will be paid directly to supplier.
As Low As; *APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Loan funds will be paid directly to supplier.
Eligible My Link Program Member: 9.24%
As Low As; Loan Amount: $2501 and Over
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No additional details available.
As low as 9.95%
No additional details available.
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
Rates are fixed for the life of the loan.
As Low As; Loan funds will be paid directly to supplier.
Saco Personal Loan Rates
As Low As; Loans for less than $7,500 have a maximum term of 48 months and loans greater than $7,500 have a maximum term of 60 months. 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 borrower's term and creditworthiness. All rates and loans are subject to credit approval. Other terms and rates may be available. Contact an SVCU loan officer for more information.
As Low As
As Low As; Loan Amount: $2501 and Over
As Low As; Loan Amount: $2501 and Over
As Low As; Loan Amount: $2501 and Over
As Low As
As Low As; Loan Amount: $2501 and Over
As low as
As Low As; Loan Amount: $2501 and Over
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. Call 800-628-2265 for the actual APR for your loan.
As Low As; Loan Amount: $2501 and Over
Eligible My Link Program Member: 8.99%
As Low As; Loan Amount: $2501 and Over
Eligible My Link Program Member: 9.24%
No additional details available.
Saco Debt Consolidation Loan Rates
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 9.95%
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; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
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Saco Signature Loan Rates
$75,000 Maximum
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Saco, ME Personal Loan Rate Trends
Compare local Saco, 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 1.049 points over the past 7 days to 11.844% APR.
Maine signature loan rates rose 0.023 points over the past 7 days to 11.299% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Saco, 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 Saco, 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 Saco, 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.
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 Saco, Maine?
What are the best personal loan rates in Saco, Maine?
- Saco Valley Credit Union: 5.20% (Teen Credit Builder Loan)
- Saco & Biddeford Savings: 6.52% (New (untitled) - 3 years Loan)
- Lighthouse Credit Union: 7.69% (Credit Builder Loan)
- PeoplesChoice Credit Union: 10.24% (Unsecured Loans)
- Town & Country Federal Credit Union: 10.74% (Personal Flex Loan)
Personal Loan Calculators
