Best Personal Loan Rates in Waterville, 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 Waterville, Maine include: KSW Federal Credit UnionKSW Federal Credit Union222 College Ave, Waterville, ME, 04901 6226A+5.0 ★Texas Ratio: 4.35% offering Fuel Loan Special at 6.75% APR, New Dimensions Federal Credit UnionNew Dimensions Federal Credit Union61 Grove St, Waterville, ME, 04901A5.0 ★Texas Ratio: 12.50% offering Energy Loans at 7.75% APR, KV Federal Credit UnionKV Federal Credit Union299 Main St, Waterville, ME, 04901 4918A+5.0 ★Texas Ratio: 0.82% offering Land Loans at 8.41% APR, Bangor Savings BankBangor Savings Bank366 Main St, Waterville, ME, 04901A+5.0 ★Texas Ratio: 2.55% offering Investment Property Loan at 8.75% APR, and Lincoln Maine Federal Credit UnionLincoln Maine Federal Credit UnionA5.0 ★Texas Ratio: 11.34% offering My Linc Loyalty Loan - Credit Check at 4.00% APR. Personal loan rates as of April 18, 2026 according to verified data from MonitorBankRates.
Waterville has 4 local institutions in our database, with personal loan rates as low as 6.75% APR from KSW Federal Credit Union at 222 College Ave, Waterville, ME, 04901 6226. 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 Waterville, Maine.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Waterville, 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 18, 2026
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As Low As
Limit $25,000 up to 20 yrs.
As Low As
Loan Amount ?$10,000; Collateral Type Investment Property (60% LTV) Max $250,000; (Prime + 2.00%)
No additional details available.
No additional details available.
As Low As; Maximum loan amount is $30,000. Certain restrictions may apply.
No additional details available.
$1000; Qualified My Linc Program
$500; Qualified My Linc Program
As Low As
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No additional details available.
As Low As; Up to 60 Months
No additional details available.
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.
No additional details available.
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Tiered based on credit score. As of 6/13/25, subject to change at any time.
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As Low As; Rates start at 6.75% APR*
No additional details available.
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No additional details available.
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.
Available for a Limited Time Only
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: $3,000 to $5,999
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As Low As; Loan Amount: $6,000 to $9,999
Tiered based on credit score. As of 6/13/25, subject to change at any time.
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.
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
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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.
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.
No additional details available.
As Low As
As Low As; Loan Amount: $12,500 to $14,999
As Low As
Tiered based on credit score. As of 6/13/25, subject to change at any time.
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As Low As
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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.
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; Loan Amount: $15,000 & up
As Low As
No additional details available.
Eligible My Link Program Member; Credit Rating 720+
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
As Low As; Terms from 6 to 60 months
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Eligible My Link Program Member; Credit Rating 680-719
Credit Rating 720+
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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.
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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
Credit Rating 680-719
As Low As
No additional details available.
As Low As; Rates are fixed for the life of the loan.
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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.
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. Loan funds will be paid directly to supplier.
As Low As; APR = Annual Percentage Rate. Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
Eligible My Link Program Member; Credit Rating 640-679
As Low As
No additional details available.
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Credit Rating 640-679
$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; 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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Eligible My Link Program Member; Credit Rating 600-639
As Low As
No additional details available.
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Credit Rating 600-639
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No additional details available.
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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.
Eligible My Link Program Member; Credit Rating 720+
As Low As; Terms from 6 to 60 months
As Low As
Eligible My Link Program Member; Credit Rating 680-719
Credit Rating 720+
As Low As
As Low As
Credit Rating 680-719
As Low As
Eligible My Link Program Member; Credit Rating 640-679
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
As Low As
As Low As
Credit Rating 640-679
$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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Eligible My Link Program Member; Credit Rating 600-639
As Low As
Credit Rating 600-639
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; Maximum loan amount is $30,000. Certain restrictions may apply.
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
Waterville, ME Personal Loan Rate Trends
Compare local Waterville, 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 0.008 points over the past 7 days to 10.797% APR.
Maine signature loan rates fell 0.029 points over the past 7 days to 11.078% 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 Waterville, Maine?
What are the best personal loan rates in Waterville, Maine?
- KSW Federal Credit Union: 6.75% (Fuel Loan Special)
- New Dimensions Federal Credit Union: 7.75% (Energy Loans)
- KV Federal Credit Union: 8.41% (Land Loans)
- Bangor Savings Bank: 8.75% (Investment Property Loan)
- Lincoln Maine Federal Credit Union: 4.00% (My Linc Loyalty Loan - Credit Check)
Personal Loan Calculators
