Loans in Franklin County, ME: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Franklin County, ME.
The median household in Franklin County earns $58,675 a year, 21% below the Maine median of $74,733. About 12% of residents live below the federal poverty line, and 23.7% of households rent their home.
What you need for a payday loan in Franklin County
Most Franklin 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 Franklin County
What Franklin County borrowers use it for
cover a short gap before payday
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Franklin 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 Franklin County
Banks with branches in Franklin County
13 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Franklin Savings Bank | 6 | 197 Main St, Farmington 04938 |
| Skowhegan Savings Bank | 4 | 2484 Main St, Rangeley 04970 |
| TD Bank, National Association | 1 | 163 Broadway, Farmington 04938 |
| Bangor Savings Bank | 1 | 177 Main St, Farmington 04938 |
| Androscoggin Savings Bank | 1 | 6 Androscoggin Ln, Jay 04239 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Franklin County
5 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| University | 154 High St, Farmington 04938 |
| Otis | 170 Main St, Jay 04239 |
| Franklin-Somerset | 485 Wilton Rd, Farmington 04938 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Franklin County?
Franklin 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 Franklin 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 Franklin County?
Options include 13 bank and 5 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 Franklin County?
Fill out our short online form from anywhere in Franklin 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 Franklin County?
Yes. When an unexpected bill comes up, Franklin 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.
Where can I get a loan in Franklin County, ME?
You can apply at banks, credit unions and lenders in Franklin 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 a loan in Franklin County with bad credit?
Yes, many lenders in our network work with Franklin 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 apply for a loan online in Franklin County?
Yes. You don't need to visit a branch or storefront anywhere in Franklin 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.