Loans in Kennebec County, ME: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Kennebec County, ME.
The median household in Kennebec County earns $69,077 a year, 8% below the Maine median of $74,733. About 12% of residents live below the federal poverty line, and 26.3% of households rent their home.
What you need for a payday loan in Kennebec County
Here's what to have on hand before you start your payday loan request in Kennebec 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 Kennebec County
What Kennebec County borrowers use it for
deposits, trucks and first-week expenses
Rent duecover a short gap before payday
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 Kennebec 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 Kennebec County
Banks with branches in Kennebec County
29 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Camden National Bank | 11 | 150 Main St, Waterville 04901 |
| Kennebec Savings Bank | 6 | 150 State St, Augusta 04330 |
| Bangor Savings Bank | 4 | 6 China Rd, Winslow 04901 |
| TD Bank, National Association | 2 | 182 Main St, Waterville 04901 |
| KeyBank National Association | 2 | 110 Main St, Waterville 04901 |
| Bar Harbor Bank & Trust | 2 | 368 Route 3, South China 04358 |
| Northeast Bank | 1 | 235 Western Ave, Augusta 04330 |
| Skowhegan Savings Bank | 1 | 450 Civic Center Dr, Augusta 04330 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Kennebec County
23 credit-union locations from 14 credit unions.
| Credit union | Location |
|---|---|
| Maine Savings | 912 Main St, Vassalboro 04989 |
| Cport | 399 Western Ave, Augusta 04330 |
| Maine State | 200 Capitol St, Augusta 04330 |
| Ancorum | 201 Civic Center Dr, Augusta 04330 |
| University | 67 Sewall St, Augusta 04330 |
| New Dimensions | 61 Grove St, Waterville 04901 |
| K V | 316 W River Rd, Augusta 04330 |
| Ksw | 222 College Ave, Waterville 04901 |
| Winthrop Area | 94 Highland Ave, Winthrop 04364 |
| Trademark | 44 Edison Dr, Augusta 04330 |
| Connected | 85 Civic Center Drive, Augusta 04330 |
| Gardiner | 420 Brunswick Ave, Gardiner 04345 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Kennebec County
Frequently asked questions
Are payday loans legal in Kennebec County?
Kennebec 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 Kennebec 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 Kennebec County?
Options include 29 bank and 23 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 Kennebec County?
Fill out our short online form from anywhere in Kennebec 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 apply for a loan online in Kennebec County?
Yes. You don't need to visit a branch or storefront anywhere in Kennebec 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 an emergency loan in Kennebec County?
Yes. When an unexpected bill comes up, Kennebec 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 get a loan in Kennebec 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. Kennebec County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Kennebec County with bad credit?
Yes, many lenders in our network work with Kennebec 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.