Loans in Aroostook County, ME: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Aroostook County, ME.
The median household in Aroostook County earns $56,700 a year, 24% below the Maine median of $74,733. About 14% of residents live below the federal poverty line, and 25.5% of households rent their home. 11.8% of households have no home internet; our form works on any phone.
What you need for a payday loan in Aroostook County
Here's what to have on hand before you start your payday loan request in Aroostook County:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Aroostook County
What Aroostook County borrowers use it for
handle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Aroostook County
Payday Loans Legal
Payday loans are legal in Maine only from supervised lenders licensed by the Bureau of Consumer Credit Protection, and fees are tightly capped: a lender may charge no more than a…
Personal Loans
Tiered: 30% to $2,000, 24% to $4,000, 18% above; 18% if over $8,000.
Title Loans Not available
Vehicle title loans are generally prohibited in Maine, according to the Bureau of Consumer Credit Protection.
Banks and credit unions in Aroostook County
Banks with branches in Aroostook County
23 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Katahdin Trust Company | 12 | 290 Main St, Fort Fairfield 04742 |
| KeyBank National Association | 4 | 32 Market Sq, Houlton 04730 |
| Machias Savings Bank | 3 | 9 Dyer St, Presque Isle 04769 |
| Aroostook County Federal Savings and Loan Association | 2 | 43 High St, Caribou 04736 |
| Bangor Savings Bank | 1 | 38 Court St, Houlton 04730 |
| TD Bank, National Association | 1 | 680 Main St, Presque Isle 04769 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Aroostook County
21 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| The County | 776 Main St, Presque Isle 04769 |
| University | 181 Main St, Presque Isle 04769 |
| Acadia | 9 E Main St, Fort Kent 04743 |
| Norstate | 78 Fox St, Madawaska 04756 |
| Katahdin | 1068 Crystal Rd, Island Falls 04747 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Aroostook County?
Aroostook County follows Maine law. Payday loans are legal in Maine only from supervised lenders licensed by the Bureau of Consumer Credit Protection, and fees are tightly capped: a lender may charge no more than a $5, $15 or $25 minimum finance charge (by loan size) or the general consumer-loan rate caps.
Are title loans legal in Aroostook County?
Vehicle title loans are generally prohibited in Maine, according to the Bureau of Consumer Credit Protection.
Where can I get a small loan in Aroostook County?
Options include 23 bank and 21 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Aroostook County?
Fill out our short online form from anywhere in Aroostook County. We share it with lenders in our network that serve Maine; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get a loan in Aroostook County with bad credit?
Yes, many lenders in our network work with Aroostook County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Can I get a loan in Aroostook County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Aroostook County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Aroostook County, ME?
You can apply at banks, credit unions and lenders in Aroostook County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Maine residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get an emergency loan in Aroostook County?
Yes. When an unexpected bill comes up, Aroostook County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.