Loans in Oxford County, ME: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Oxford County, ME.
The median household in Oxford County earns $60,173 a year, 19% below the Maine median of $74,733. About 14% of residents live below the federal poverty line, and 19.4% of households rent their home. 10.3% of households have no home internet; our form works on any phone.
What you need for a payday loan in Oxford County
Here's what to have on hand before you start your payday loan request in Oxford 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 Oxford County
What Oxford County borrowers use it for
gifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Oxford 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 Oxford County
Banks with branches in Oxford County
11 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Norway Savings Bank | 4 | 261 Main St, Norway 04268 |
| Northeast Bank | 2 | 235 Main St, South Paris 04281 |
| KeyBank National Association | 1 | 369 Main St, Norway 04268 |
| TD Bank, National Association | 1 | 1586 Main St, Oxford 04270 |
| Bangor Savings Bank | 1 | 118 Congress St, Rumford 04276 |
| Androscoggin Savings Bank | 1 | 170 Main St, South Paris 04281 |
| Franklin Savings Bank | 1 | 155 Congress St, Rumford 04276 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Oxford County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Dirigo | 172 Pine St, South Paris 04281 |
| Oxford | 225 River Rd, Mexico 04257 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Oxford County?
Oxford 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 Oxford 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 Oxford County?
Options include 11 bank and 3 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 Oxford County?
Fill out our short online form from anywhere in Oxford 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 Oxford County?
Yes. When an unexpected bill comes up, Oxford 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 Oxford County with bad credit?
Yes, many lenders in our network work with Oxford 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 Oxford County?
Yes. You don't need to visit a branch or storefront anywhere in Oxford 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 Oxford 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. Oxford County residents can start any time, and it takes about 3 minutes.