Loans in Lincoln County, ME: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lincoln County, ME.
The median household in Lincoln County earns $76,875 a year, about the same as the Maine median of $74,733. About 8% of residents live below the federal poverty line, and 17.5% of households rent their home.
What you need for a payday loan in Lincoln County
Most Lincoln 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 Lincoln County
What Lincoln County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
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 Lincoln 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 Lincoln County
Banks with branches in Lincoln County
16 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First National Bank | 4 | 223 Main St, Damariscotta 04543 |
| The Camden National Bank | 4 | 1768 Atlantic Hwy, Waldoboro 04572 |
| Bangor Savings Bank | 3 | 2578 Bristol Rd, New Harbor 04554 |
| First Federal Savings and Loan Association of Bath | 3 | 41 Townsend Ave, Boothbay Harbor 04538 |
| Bath Savings Institution | 2 | 8 Church St, Damariscotta 04543 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lincoln County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Midcoast | 41 Route One, Edgecomb 04556 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Lincoln County?
Lincoln 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 Lincoln 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 Lincoln County?
Options include 16 bank and 1 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 Lincoln County?
Fill out our short online form from anywhere in Lincoln 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.
Where can I get a loan in Lincoln County, ME?
You can apply at banks, credit unions and lenders in Lincoln 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 apply for a loan online in Lincoln County?
Yes. You don't need to visit a branch or storefront anywhere in Lincoln 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 Lincoln County with bad credit?
Yes, many lenders in our network work with Lincoln 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 an emergency loan in Lincoln County?
Yes. When an unexpected bill comes up, Lincoln 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.