Loans in Sagadahoc County, ME: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Sagadahoc County, ME.
The median household in Sagadahoc County earns $87,806 a year, 17% above the Maine median of $74,733. About 10% of residents live below the federal poverty line, and 22.2% of households rent their home.
What you need for a payday loan in Sagadahoc County
Most Sagadahoc 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 Sagadahoc County
What Sagadahoc County borrowers use it for
handle the unexpected the same week
Rent duecover a short gap before payday
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Sagadahoc 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 Sagadahoc County
Banks with branches in Sagadahoc County
7 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Camden National Bank | 3 | 111 Main St, Richmond 04357 |
| First Federal Savings and Loan Association of Bath | 2 | 125 Front St, Bath 04530 |
| Bath Savings Institution | 1 | 105 Front St, Bath 04530 |
| Norway Savings Bank | 1 | 47 Topsham Fair Mall Rd, Topsham 04086 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Sagadahoc County
7 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Midcoast | 831 Middle St, Bath 04530 |
| Atlantic Regional | 3 Union Park Rd, Topsham 04086 |
| Ancorum | 765 Washington St, Bath 04530 |
| Downeast | 151 Main St, Richmond 04357 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Sagadahoc County?
Sagadahoc 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 Sagadahoc 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 Sagadahoc County?
Options include 7 bank and 7 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 Sagadahoc County?
Fill out our short online form from anywhere in Sagadahoc 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 Sagadahoc County, ME?
You can apply at banks, credit unions and lenders in Sagadahoc 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 Sagadahoc County with bad credit?
Yes, many lenders in our network work with Sagadahoc 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 a loan in Sagadahoc 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. Sagadahoc County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Sagadahoc County?
Yes. You don't need to visit a branch or storefront anywhere in Sagadahoc 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.