Loans in Cumberland County, ME: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Cumberland County, ME.
The median household in Cumberland County earns $95,677 a year, 28% above the Maine median of $74,733. About 7% of residents live below the federal poverty line, and 30.2% of households rent their home.
What you need for a payday loan in Cumberland County
Most Cumberland County applicants can finish in one sitting if they have these ready:
- 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 Cumberland County
What Cumberland County borrowers use it for
deposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Cumberland 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 Cumberland County
Banks with branches in Cumberland County
121 FDIC-insured bank branches from 19 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Norway Savings Bank | 16 | 83 Maine St, Brunswick 04011 |
| Maine Community Bank | 16 | 1 India St, Portland 04101 |
| TD Bank, National Association | 12 | 176 Main St, Bridgton 04009 |
| KeyBank National Association | 11 | 232 Main St, Bridgton 04009 |
| Bank of America, National Association | 10 | 1 City Ctr, Portland 04101 |
| Bath Savings Institution | 10 | 3 Pleasant St, Brunswick 04011 |
| Bangor Savings Bank | 10 | 180 Waterman Drive, South Portland 04106 |
| Manufacturers and Traders Trust Company | 7 | 188 Us Route 1, Falmouth 04105 |
| JPMorgan Chase Bank, National Association | 5 | 480 Congress St, Portland 04101 |
| The Camden National Bank | 4 | 220 Middle St, Portland 04101 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Cumberland County
65 credit-union locations from 25 credit unions.
| Credit union | Location |
|---|---|
| Midcoast | 6 Station Ave, Brunswick 04011 |
| Casco | 375 Main St, Gorham 04038 |
| Lighthouse | 17 Westbrook Cmn, Westbrook 04092 |
| Empeople | 202 Larrabee Rd, Westbrook 04092 |
| Atlantic Regional | 55 Cushing St, Brunswick 04011 |
| Maine Savings | 883 Forest Ave, Portland 04103 |
| Town & Country | 557 Main St, South Portland 04106 |
| Cport | 50 Riverside Industrial Pkwy, Portland 04103 |
| Maine State | 25 Portland Rd, Gray 04039 |
| Evergreen | 225 Riverside St, Portland 04103 |
| Ancorum | 19 Commercial St, Portland 04101 |
| University | 1390 Congress St, Portland 04102 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Cumberland County
Frequently asked questions
Are payday loans legal in Cumberland County?
Cumberland 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 Cumberland 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 Cumberland County?
Options include 121 bank and 65 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 Cumberland County?
Fill out our short online form from anywhere in Cumberland 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 an emergency loan in Cumberland County?
Yes. When an unexpected bill comes up, Cumberland 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.
Can I apply for a loan online in Cumberland County?
Yes. You don't need to visit a branch or storefront anywhere in Cumberland County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Maine. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get a loan in Cumberland County with bad credit?
Yes, many lenders in our network work with Cumberland 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.
Where can I get a loan in Cumberland County, ME?
You can apply at banks, credit unions and lenders in Cumberland 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.