Payday Loans in Georgetown, Maine

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No payday loan companies in Georgetown, ME. Consider companies in other cities:

Company nameAddressZip codePhone number
TIAA Financial Services 4 City Center 2nd Floor, Portland, ME 04101 +1 (207) 747 - 6513
cPort Credit Union 313 US-1, Scarborough, ME 04074 +1 (207) 883 - 2448
Androscoggin Bank 580 Lisbon St, Lisbon Falls, ME 04252 +1 (207) 353 - 3140
Northeast Bank - Buckfield 2 Depot St, Buckfield, ME 04220 +1 (207) 336 - 2371
cPort Credit Union 285 Forest Ave, Portland, ME 04101 +1 (207) 200 - 2300
First Federal Savings & Loan Association of Bath 125 Front St, Bath, ME 04530 +1 (207) 442 - 8711
Saco & Biddeford Savings Institution 601 Broadway, South Portland, ME 04106 +1 (207) 284 - 4591
Partners Bank 408 US-1, York, ME 03909 +1 (888) 226 - 5747
Bangor Federal Credit Union 339 Hogan Rd, Bangor, ME 04401 +1 (207) 947 - 0374
Ta Accounting Main St, Fryeburg, ME 04037 +1 (207) 935 - 2808

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Georgetown, ME, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Bangor, ME, Payday Loan Companies in Lewiston, ME and Payday Loans in Portland, ME. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Georgetown, ME.

Beautiful sights of Georgetown, ME

Payday Loans Available in Georgetown, ME By The Following ZIP Codes:

04546, 04548

Are Payday Loans Legal In Georgetown, Maine?

Loan Rates and Fees, Laws and Regulations in Maine.

Maine Loan Regulations

Legal StatusPermitted for supervised lenders only
Interest Rate (APR, %)30% APR; In Fact - 217%
Maximum Loan Amount$2,000
Minimum Loan TermNot Specified
Maximum Loan TermNot Specified
Number of Rollovers AllowedNot specified
Finance ChargesAlternative to small loan cap: <$75 = $5; $75-$250 = $15; >$250 = $25

Georgetown, ME payday loan calculator

Payday Loans in Georgetown, Maine: What You Need to Know

If you find yourself in a financial bind in Georgetown, Maine, payday loans may seem like an attractive option to get you back on track. However, before you take out a payday loan, it’s important to understand the rules and regulations that govern these types of loans in Maine. Keep reading to learn what you need to know.

What are payday loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. They are usually for small amounts, such as $500 or less, and are designed to help people who need quick cash to cover unexpected expenses, such as car repairs or medical bills.

Are payday loans legal in Georgetown, Maine?

Payday loans are permitted for supervised lenders only in Maine. This means that payday loan companies must be licensed and regulated by the state.

How much can you borrow with a payday loan in Maine?

In Maine, the maximum amount you can borrow with a payday loan is $2,000. However, the amount you can borrow may be lower depending on your income and other factors.

What are the fees and interest rates for payday loans in Maine?

In Maine, payday lenders can charge up to 30% interest on loans of $2,000 or less. They can also charge up to a $5 fee for each loan, which can add up quickly if you take out multiple loans.

What is the repayment period for payday loans in Maine?

In Maine, payday loans must be repaid within 35 days of the date the loan was issued.

What are the consequences of defaulting on a payday loan in Maine?

If you default on a payday loan in Maine, the lender can charge you up to $25 in additional fees, and may also take legal action against you to collect the debt.

What are some alternatives to payday loans in Georgetown, Maine?

If you’re considering a payday loan in Georgetown, Maine, it’s important to explore all your options. Some alternatives to payday loans include:

  • Credit counseling: Credit counseling agencies can help you develop a budget and come up with a plan to pay off your debts.
  • Personal loans: Personal loans have longer repayment terms and lower interest rates than payday loans, making them a better option for many people.
  • Credit cards: If you have a credit card with available credit, this may be a better option than taking out a payday loan.

Interesting Facts and Statistics about Payday Loans in Georgetown, Maine

  • According to the Center for Responsible Lending, the average payday loan borrower in Maine takes out 10 loans per year.
  • As of 2021, there were 15 licensed payday lenders operating in Maine.
  • A 2014 report by the Consumer Financial Protection Bureau found that the majority of payday loans are taken out by people who are already in debt and are struggling to make ends meet.

Apply Now

If you need cash quickly and are considering a payday loan in Georgetown, Maine, it’s important to remember that TheGuaranteedLoans is a connector service, not a direct lender. We can help facilitate your connection with potential lenders who may be able to assist you with your financial needs. Fill out our online application today to get started.

F.A.Q.

Can I be sued or have my wages garnished if I default on my payday loan in Georgetown, Maine?

Yes, if you default on your payday loan in Georgetown, Maine, the lender may pursue legal action against you, including suing you or garnishing your wages. It is important to carefully consider your ability to repay the loan before taking out a payday loan.

Are payday loans regulated in Georgetown, Maine?

Yes, payday loans are regulated in Georgetown, Maine by the Maine Office of Consumer Credit Regulation. Lenders must be licensed and adhere to the state's regulations regarding loan amounts, fees, and repayment terms.

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