Payday loans in Augusta, ME
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Augusta, ME.
The median household in Augusta earns $47,979 a year, 36% below the Maine median of $74,733. About 18% of residents live below the federal poverty line, and 46.2% of households rent their home. 10.4% of households have no home internet; our form works on any phone. When an unexpected bill hits before payday, Augusta residents can request $100 to $1,000 online in minutes.
Maine law that applies in Augusta
| Maximum loan | Maine law sets no payday-specific maximum loan amount, according to the Bureau of Consumer Credit Protection. |
|---|---|
| Fee cap | A lender may charge either the general consumer-loan finance charge (30% a year on the first $2,000 and lower tiers above that) or a flat minimum charge of no more than $5 if you borrow $75 or less, $15 if you borrow more than $75 but under $250, or $25 if… |
| Rollovers | Maine law has no payday-specific rollover or renewal limit, according to the Bureau. |
| Loans at once | Maine law has no limit on the number of payday loans outstanding at one time, according to the Bureau. |
Full rules with statute citations: Payday Loans in Maine. Cities in Maine cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Augusta
Most Augusta 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 Augusta
What Augusta borrowers use it for
handle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a payday loan in Augusta
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve Maine.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
Maine does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in Augusta
10 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Camden National Bank | 3 | 21 Armory St, Augusta 04330 |
| Bangor Savings Bank | 2 | 274 Western Ave, Augusta 04330 |
| Kennebec Savings Bank | 1 | 150 State St, Augusta 04330 |
| KeyBank National Association | 1 | 23 Whitten Rd, Augusta 04330 |
| TD Bank, National Association | 1 | 101 Western Ave, Augusta 04330 |
| 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 Augusta
10 credit-union locations from 9 credit unions.
| Credit union | Location |
|---|---|
| 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 |
| K V | 316 W River Rd, Augusta 04330 |
| Trademark | 44 Edison Dr, Augusta 04330 |
| Connected | 85 Civic Center Drive, Augusta 04330 |
| Gardiner | 316 W River Rd, Augusta 04330 |
| Capital Area | 2010 N Belfast Ave, Augusta 04330 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Kennebec County · Personal Loans in Augusta
Frequently asked questions
Can I get a payday loan in Augusta, ME?
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. You can request one online from Augusta through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Augusta?
Maine law sets no payday-specific maximum loan amount, according to the Bureau of Consumer Credit Protection.
How fast can I get a payday loan in Augusta?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
Is a payday loan installment or revolving credit?
A traditional payday loan is neither. It's a single-payment loan: you borrow a set amount and repay it, plus the fee, in one payment on your due date. An installment loan spreads repayment over several scheduled payments, and revolving credit, like a credit card, lets you borrow repeatedly up to a limit. Depending on Maine rules, lenders may offer payday or installment options. Compare them in about 3 minutes.
Do payday lenders in Augusta check your credit?
Most payday lenders check something, but it often isn't a traditional credit report. Many focus on income and banking history and may use alternative credit data or a soft check instead of a hard pull from the major bureaus. Each lender sets its own process and will tell you what it reviews. Submitting our form is free, and you can see if you qualify in about 3 minutes.
Is a payday loan the same as a cash advance?
The terms are often used interchangeably. A payday loan is sometimes called a cash advance because it advances money against your next paycheck. A credit card cash advance is different: you withdraw cash against your card's credit limit, which requires available credit on a card. If you don't have card credit to tap, a payday loan through our network is a fast option. Check your options in about 3 minutes.
How do I get a payday loan in Augusta, ME?
Have a few basics ready: a government-issued ID, proof of regular income, an active checking account, and a working phone number and email. Then complete our secure online form. Lenders review your request, and many give a decision within minutes. If you're approved, you'll see the full terms before signing. Most Augusta borrowers can finish the form in about 3 minutes.
Do payday loans show up on your credit report?
Many payday lenders do not report regular, on-time payments to the three major credit bureaus, so the loan often doesn't appear on a standard credit report. Some lenders and specialty bureaus do track short-term loans, and an unpaid balance sent to collections can be reported. Your lender explains its reporting policy in the loan agreement. Ready to compare offers in Augusta? Our form takes about 3 minutes.
Do I need to visit a store in Augusta?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.