Payday Loans in Temple, Maine

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

Company nameAddressZip codePhone number
Androscoggin Bank 24 Portland Rd, Gray, ME 04039 +1 (207) 657 - 4446
Northeast Bank - Harrison 46 Main St, Harrison, ME 04040 +1 (207) 583 - 2954
Saco & Biddeford Savings Institution 41 Gorham Rd, Scarborough, ME 04074 +1 (207) 284 - 4591
Enterprise Rent-A-Car 11 Dexter St Ext, Thomaston, ME 04861 +1 (207) 594 - 9093
People's United Bank 233 Main St, Yarmouth, ME 04096 +1 (207) 846 - 9400
KeyBank 25 Portland Rd 2 2, Gray, ME 04039 +1 (207) 893 - 6126
TD Bank 95 Main St, Gorham, ME 04038 +1 (207) 839 - 0080
Maine Merchant Bank 477 Congress St 1100, Portland, ME 04101 +1 (207) 772 - 8141
Comfort Keepers Home Care 427 Main St 2nd floor, Rockland, ME 04841 +1 (207) 563 - 2273
Sabattus Regional Credit Union 2 Middle Rd, Sabattus, ME 04280 +1 (207) 375 - 6538

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Temple, ME, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Bangor, ME, Guaranteed Loans 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 Temple, ME.

Beautiful sights of Temple, ME

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

04984

Are Payday Loans Legal In Temple, 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

Temple, ME payday loan calculator

Payday Loans in Temple, Maine: Everything You Need to Know

If you’re facing a financial emergency, a payday loan might seem like a good option. These short-term loans are designed to help you cover unexpected expenses between paychecks.

In Temple, Maine, payday loans are permitted for supervised lenders only. This means that lenders must be licensed and regulated by the state. If you’re considering a payday loan in Temple, here’s what you need to know.

How Payday Loans Work

Payday loans are typically for small amounts, usually between $100 and $1000. Borrowers write a check for the amount they are borrowing, plus a fee, to be held until their next payday. Alternatively, they may grant the lender access to their bank account to withdraw the funds when due.

The loan term is usually two weeks, but can sometimes be as long as a month. The fees can add up quickly, so it’s important to pay the loan back as soon as possible.

Pros and Cons of Payday Loans

Payday loans can be a useful tool in an emergency, but they also come with some significant drawbacks.

Pros:

  • Quick and easy application process
  • No credit check required
  • Funds available immediately

Cons:

  • High fees and interest rates
  • Short repayment terms
  • Can lead to a cycle of debt

It’s important to weigh the pros and cons carefully before taking out a payday loan.

Applying for a Payday Loan in Temple, Maine

If you’re considering a payday loan in Temple, Maine, you’ll need to find a licensed and regulated lender. The state of Maine maintains a list of all licensed lenders, which you can access on their website.

Once you’ve found a lender, the application process is typically straightforward. You’ll need to provide some basic information, such as your name, address, and employment status.

If you are approved, the funds will typically be available immediately. However, it’s important to remember that you’ll need to pay back the loan, plus fees and interest, by your next payday.

Interesting Facts and Statistics

  • In 2019, the average amount borrowed on payday loans in Maine was $387.
  • According to the Maine Center for Economic Policy, payday loans in Maine had an average annual percentage rate (APR) of 217% in 2019.
  • In the state of Maine, borrowers are not permitted to roll over loans more than twice.
  • In 2019, more than 35,000 payday loans were issued in the state of Maine.

Apply Now

If you’re in need of a payday loan in Temple, Maine, TheGuaranteedLoans can help connect you with potential lenders. Fill out our online application and we’ll help you find a lender that fits your needs.

Important note: TheGuaranteedLoans is not a direct lender and does not make credit decisions. We are simply a connector service that can facilitate your connection with potential lenders.

Conclusion

Payday loans can be a helpful tool in an emergency, but they come with significant risks and drawbacks. Before taking out a payday loan in Temple, Maine, it’s important to carefully consider your options and weigh the pros and cons.

By working with a licensed and regulated lender, you can ensure that you are getting a fair deal and avoid falling into a cycle of debt. Remember, always borrow responsibly and only take out a payday loan if you are confident you can repay it on time.

F.A.Q.

Are there any resources available to help me manage my debt and avoid taking out payday loans in Temple, Maine?

Yes, there are several resources available to help you manage your debt and avoid taking out payday loans in Temple, Maine. These include financial counseling services, budgeting tools, and debt management programs. You can also contact the Maine Bureau of Consumer Credit Protection for more information.

What are the requirements to qualify for a payday loan in Temple, Maine?

To qualify for a payday loan in Temple, Maine, you must be at least 18 years old, have a valid identification, proof of income, and a valid checking account.

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